;? As we all know, loan requirements from banking institutions are much stricter than those from other commercial institutions. The borrower is not only required to have a stable job and income, but also has a good credit record. However, if you have bad credit, it will be useless no matter how much you earn. So, how many times will your credit be overdue before you can apply for a bank loan? According to bank regulations, if a borrower's credit is overdue three times in a row or six times in two years, he or she cannot apply for a bank loan. If the borrower is only overdue occasionally, he or she can still apply after the bank has verified it. loan. However, generally speaking, the personal credit report will only record the borrower's credit status in the past two years. If the borrower has a bad credit record, there is no need to worry too much. As long as the borrower maintains a good credit record in the future, use the new credit report. The record overwrites the old record, and after a period of time, the bad records will disappear. I would like to remind everyone that personal credit records have become more and more important in our lives. Borrowers also need to maintain a good credit record to prepare for applying for loans again in the future. If some friends who cannot meet the bank loan requirements want a loan, they may consider some formal online loan platforms. The threshold of these companies is not as high as that of banks, and they can obtain loans more quickly.