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信用卡和网贷都逾期了先还哪个
释义
如果未来几年有用到房贷车贷的需求,建议先还信用卡欠款。虽然这两者都和征信有关系,但是网贷逾期的情况,相对而言要比信用卡逾期的情况轻一点。银行的规则会严一点,要是信用卡本金欠了5万以上,很可能面临信用卡诈骗罪,因此优先。
如果欠的网贷金额比信用卡大很多,那意味着利息累积也会多很多。而且网贷的催收方式往往是轰炸式和高频率,若能和银行进行协商,分期后先还网贷也未尝不可。当然,同时逾期这种情况算比较严重了,最好是及时上岸。
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更新时间:2026/1/12 10:08:40