If an individual has overdue records, it depends on the number of overdue individuals. If it is overdue for more than three times in a row, it will have an impact on loan approval. When handling credit cards, we must pay special attention to avoid overdue credit cards. If the credit card is overdue, take timely measures to remedy it. The credit card is overdue for three consecutive times, such as a fund with a repayment period of one month and three consecutive months. Six people are tired, and six people are overdue. If they are overdue once, they will be returned. The overdue happened again, and it happened six times. Moreover, banks will refer to the credit between husband and wife when approving housing loans. As long as one party is tired, you can't get a loan.