If your credit card is overdue, you can apply for a loan through the following methods.

1. When applying for private loans, some private lending institutions do not have access to the credit reporting system because they will not check the borrower’s credit reporting. Even if the borrower’s credit card is overdue and the credit reporting is listed, the private lending institutions will not. We will care that as long as the borrower can provide proof of income, bank card statements and other information to prove his stable solvency, the loan may be approved.

2. The borrower who provided the collateral loan has paid off the credit card overdue, and the degree of bad credit report is not serious, and has not reached the level of three consecutive overdues, bad debts, compensation, etc. Assets with realizable value in your name, such as houses, cars, etc., are mortgaged to the lending institution to obtain a loan. The maximum loan amount can be 80% of the appraised value of the collateral.

3. Provide collateral for loans. The borrower has paid off the overdue credit card debt. Even if the credit report still has a bad credit record, he can provide bonds, deposit receipts and other collateral to apply for a loan from the lending institution. A loan may also be approved because there is a pledge with the lending institution, and the borrower will generally not refuse to repay easily unless he does not want to get the pledge back.

4. Find someone to guarantee the loan. The borrower can repay the debt after the credit card is overdue. As long as the degree of bad credit is not serious, you can find relatives and friends with excellent credit conditions to guarantee you. If the other party You can also mortgage your assets to the lending institution and share the repayment responsibility with yourself. The greater the chance that the lending institution will approve the loan.

5. The credit card of the same borrower as someone else has been overdue and has been repaid before the loan, and is not a blacklist in the credit report. Even if there are still overdue records that have not been removed from the credit report, you can still find it. A well-qualified relative or friend agrees to take out a loan. The other party will be the primary lender and you will be the subprime lender. If both parties have the ability to repay, the lending institution may also approve the loan.

6. Borrowing someone else’s identity for a loan actually means asking relatives and friends who meet the loan requirements to apply for the loan, and then transfer the loan funds to yourself, and you will be responsible for repaying the loan.

In this way, the lending institution will only check the credit conditions of the actual borrower. It does not matter even if the actual user of the funds has an overdue credit card and a bad credit report.

Just check at: Beijian Quick Search. Click Query and enter the information to check your personal credit status, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan estimated credit limit and other important data Information etc.

Extended information:

What should I do if I owe 400,000 to JD.com’s credit card?

If you owe JD.com a credit card of 400,000 yuan, you can choose the following methods.

1. Small repayment.

After the Jingdong credit card is overdue by 400,000 yuan, if the borrower is really unable to repay, do not avoid repayment. You can selectively repay part of the small bills to the Jingdong credit card every month.

For example, by repaying 100-500 yuan every month to prove your willingness to repay, you can avoid being sued by JD Credit Card to the greatest extent.

Although a few hundred yuan may not be enough to repay the interest of 400,000 yuan, it can increase JD.com's credit card's impression of the borrower, and may be able to successfully apply for credit card repayment.

2. Negotiate repayment with credit card.

After the JD Credit Card is overdue by 400,000 yuan and is unable to repay, you can apply to JD Credit Card for negotiated repayment.

Generally speaking, if the debt is overdue for 3 months and the debt collector has tried 3 times with no results, the borrower can apply for negotiated repayment.

If the evaluation is passed, you can re-instalment, reduce interest, delay repayment, etc.

If the evaluation fails, the borrower should not be discouraged and can find other ways to reapply.

3. Mortgage personal assets.

Mortgaging personal assets requires the borrower to have some large, value-preserving assets.

For example, cars, houses, etc.

You can take relatively valuable and value-preserving items to the bank for mortgage, in exchange for a sum of funds to repay the 400,000 yuan debt on JD.com’s credit card.

If you do not have large amounts of property that can be liquidated, you can also choose to pledge insurance policies, bonds, stocks, etc. approved by the bank, and you can also exchange for a sum of funds.

4. Wait for court assistance.

JD.com’s credit card is overdue for RMB 400,000. If it is overdue for more than 3 months, JD.com officials are likely to sue the borrower.

After being sued, the court will initiate an investigation. Before the trial, there will most likely be an opportunity to negotiate for repayment privately.

Borrowers can also take advantage of this opportunity to re-instalment their bills.

5. Ask relatives and friends for help with debts.

If you are unable to repay overdue, and if negotiation for repayment fails, the borrower can also try to ask for help from your family or friends.

The amount owed for online loans is generally not very large, and it can be repaid by family members.

After that, the borrower must increase revenue and reduce expenditure, and slowly repay the debts of friends and family.