Or the repayment ability is large, and the standard of personal repayment ability is personal credit. No matter what kind of loan, the borrower's credit requirements are quite high, and the credit record is good. You can enjoy many preferential policies when applying for a loan.

Personal repayment ability is good, indicating that a person has money and ability to repay. But overdue means that he doesn't pay back the money on time. Being unable to pay back the money on time and being able to pay it back are two different things.