(1) Whether there are overdue records.
The credit information will clearly show whether you are overdue, how many overdue periods and the overdue amount. If some loan banks see that your credit card is overdue for only one or two days and the amount is only tens of yuan, they will be lenient. If it is other overdue for a long time and the amount is large, it will basically be blacklisted by the bank. Only when the five-year record is eliminated can they hope to apply for loans from banking institutions again.
(2) Whether there are multiple loans.
When the bank approves the loan, it will calculate your quota according to the current loan shown on the credit report. If the loan on your credit report exceeds the assets you provide, then you may also be rejected by the bank.
(3) Check whether there are many records.
Some people often apply for online loans, credit cards, etc. Whether they pass the examination or not, they will leave an inquiry record on their credit information. In addition, after credit card and loan application, credit card and loan issuing institutions will check your credit information report according to their own post-loan management standards, check whether the loan or credit card swipe record is normal, and pay attention to whether there is any suspicious situation in time.
Banks or lending institutions are likely to make relevant adjustments to the credit card quota or recover part or all of the principal in advance according to the loan contract. Therefore, banks also pay more attention to post-loan management and inquiry records. The bank will think that you have applied for this kind of loan in large quantities, that you are short of money, and will refuse your loan request.
In short, unless you are particularly short of money, it is recommended not to apply for credit cards and online loans frequently in a short time. In addition, maintaining a good repayment record is also the correct means to maintain your credit information.