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车贷看信用卡负债吗
更新时间: 2020-11-03 00:00:00  

车贷属于个人消费贷款,在银行申请消费贷款时会查看个人征信报告,而信用卡的负债情况会体现在个人征信报告上,所以申请车贷时,银行会看信用卡负债。

信用卡的负债和使用情况会影响到银行对车贷的审批,如果在使用信用卡的过程中保持按期还款,没有逾期记录,那么信用卡的负债对车贷的申请不会产生太大的影响,如果信用卡有逾期记录并且信用卡负债率过高,那么银行有可能会拒绝车贷申请。

关键词: 信用卡 负债

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