1. Influencing factors of credit record: Bank loans overdue will have a negative impact on personal credit record. Personal credit record is an important indicator to measure personal credit status, and banks will refer to this record when evaluating personal loan applications. If the credit record shows the existence of loans overdue, banks may be worried about the credit status of individuals, which may affect the approval of subsequent loan applications.

2. Demand for purchasing train tickets: When purchasing train tickets, it is generally necessary to provide valid identification and payment methods. Although credit records or loan information are not directly required when purchasing train tickets, train ticket sales platforms often have cooperative relationships with banks or payment institutions, and some personal credit information may be obtained when purchasing tickets.

3. Personal credit score: banks will give a certain credit score according to personal credit status when evaluating personal loan applications. A low credit score may lead banks to be more cautious when approving individuals to apply for loans, or even refuse to apply. When the train ticket purchasing platform cooperates with the bank, it can query the personal credit score. If the score is low, it may be affected.

Summary: Although the law does not directly stipulate that bank loans overdue will affect the purchase of train tickets, bank loans overdue will have a negative impact on personal credit records and personal credit scores, which may further affect the credit review in the subsequent loan application and train ticket purchase process.

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The importance of personal credit record is not only reflected in loan application and train ticket purchase, but also has an impact on individuals renting, buying and buying cars. Therefore, it is recommended that you always keep a good credit record and repay on time to avoid overdue and unnecessary negative effects.