With the development of Internet finance, a wide variety of web-based lending products have emerged, and micro-credit as an Internet micro-credit product is popular with a wide range of young consumers. However, many people who applied for credit cards found out that being warned that they were unable to pass through because they had more credit records meant that they could not apply for credit cards if they had a particle loan

Can't you apply for a credit card

From a legal point of view, holding a particle loan does not prevent you from applying for a credit card. According to article 267 of the Civil Code of the People's Republic of China: “If a borrower is ordered to perform, compensate or guarantee for breach of a contractual agreement, it shall do so in accordance with that agreement. The borrower may apply to the People's Court for enforcement if it fails to perform, compensate or guarantee as agreed.” As can be seen, credit card applications will not be affected as long as the borrower pays on time and does not breach the contract。

However, in practice, the holding of granules still affects personal credit ratings, which are one of the important reference factors for credit card applications. Micro-credit is a form of micro-credit, with a high rate of overdue fines, which means that if borrowers fail to pay on time, it has a negative impact on individual credit ratings. In this case, even if there is a repayment record for the particulate loan, it may not be possible to pass through a credit card。

At the same time, credit card applications require information on bank flow, personal letters, etc., which, if the loan is more overdue, will be reflected in the letter, which will also have a negative impact on credit ratings. Thus, as long as borrowers pay their loans on time and maintain a good credit position, they will not have a negative impact on credit card applications。

In any event, whether the holding of a granule loan affects a credit card application is crucial to the individual ' s repayment. As long as payments were made on time and did not violate the terms of the agreement, there would be no impact on credit card applications. This would have an adverse impact on the individual credit rating if the delay occurred, which would have a significant impact on credit card applications。