It is best for the credit card debt ratio not to exceed the range of 50-60. Once it exceeds this range, the bank will suspect the user's insufficient repayment ability and reject the user's mortgage application. For example, if the credit card limit is 10,000 yuan, the monthly consumption expenditure is 5,000 yuan, and the user's monthly income is 30,000 yuan, then the debt ratio will be 50. With this debt ratio, you can apply for a car loan. Of course, users can submit more proof of financial resources, and the debt ratio can be relaxed appropriately. In short, banks will only lend money to users if they judge that the user has the ability to repay.

Extended information:

1. Whether an overdue credit card affects a car loan depends on the specific circumstances of the overdue payment. At the same time, the borrower's income, current debt situation, and even occupation will affect the bank's assessment of the borrower's qualifications. Because of this, whether you can get a car loan depends on the borrower's credit history, repayment ability and other comprehensive circumstances.

Therefore, in daily life, it is very necessary for borrowers to maintain a good credit record, not only when applying for a loan to buy a car, but also when applying for other loans. A good credit record will add more benefits to the borrower. A lot of points.

2. When banks evaluate loan applicants, in addition to assessing personal credit, they will also evaluate repayment ability and loan purpose. At the same time, banks mainly review the credit report within the past two years, so if the personal credit report has been good in the past two years, the success rate of the loan will be improved; on the other hand, if the current overdue amount is serious, you will not be able to obtain a loan.

Third, under normal circumstances, bank loans have requirements for credit reporting: there cannot be one overdue period currently, there cannot be two overdue periods in half a year, there cannot be two consecutive overdue periods in one year, and there cannot be three consecutive overdue periods in two years. It has been overdue a total of 6 times.

4. Conditions for applying for a car loan:

1. Have a valid identity certificate and full capacity for civil conduct; be able to provide proof of a fixed and detailed address;

2. Have a stable career and the ability to repay the principal and interest of the loan on time; have good personal social credit;

3. Hold a car purchase contract or agreement recognized by the lender; other conditions stipulated by the cooperative agency.

5. Application materials for car loan

1. Original ID card, household register or other valid residence documents, and provide their copies;. Proof of occupation and economic income, personal The account's running list for the past 6 months;

2. Car purchase agreement, contract or letter of intent to purchase a car signed with the dealer; other documents required by the cooperative agency.

6. The consequences of an overdue credit card are:

The bank credit card bank center will charge late payment fees and interest:

1. The late payment fee is based on the unpaid portion of the minimum repayment amount. Calculated at RMB 5, the minimum charge is RMB 10 or 1 US dollar

2. At the same time, the bank will also charge an interest of 50,000 per day on the entire bill.

Influence on credit:

1. If it is overdue within a month, it is considered overdue once. As long as it is overdue, even once, it will be more difficult to increase the credit limit;

2 , If you are overdue three times in a row or six times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;