1, affecting the application for other loans or credit cards:

If the previously applied loan is uploaded to the credit record, the bank will see the personal debt in the credit record when applying for a bank loan or credit card again, and may refuse it on the grounds of insufficient repayment ability.

2. Affect the loan amount:

If the previously applied loan is uploaded to the personal credit report, financial institutions will also consider the repayment ability of the applicant when applying for other loans, which will reduce the loan amount.

Measures to eliminate loan credit reports are as follows:

1. Take the initiative to go to the lending institution to explain the overdue reasons.

Lending institutions will upload overdue records to PBOC, and there will be a certain period of time. Before the overdue records are submitted to the People's Bank of China, take the initiative to repay the overdue fees and ask the lending institution to explain the reasons, which will have the opportunity to eliminate the overdue records and prevent them from being uploaded to personal credit information. Bank loans usually give a grace period of 13 days. If the loan is overdue within the grace period, the bank will be reasonable and help delete the overdue record.

Compared with banks, some online lending platforms and non-bank lending institutions are more "humanized". Even if it is overdue for a week or two, as long as it can take the initiative to repay the loan and pay the overdue fee, it is not necessary to upload the overdue record to the People's Bank for credit investigation.

2. Issue a non-malicious expired certificate.

If the overdue period has exceeded the grace period of the lending institution, or you are unlucky, when you contact the lending institution actively, the overdue record has been uploaded to the People's Bank of China for credit investigation, and you can still communicate with the lending institution. After the repayment, I will show my sincere attitude and the proof materials required by the lending institution, so that the lending institution can believe that I have not intentionally overdue, and then issue a "non-malicious overdue certificate".

Legal basis: Article 21 of the Regulations on the Administration of Credit Information Industry.

Credit information agencies can collect enterprise information through information subjects, corporate counterparties, industry associations, information disclosed by relevant government departments according to law, and judgments and rulings published by people's courts according to law.

Credit institutions shall not collect enterprise information prohibited by laws and administrative regulations.