If the overdue amount is not paid off, the normal repayment record will be cleared once every 3 months, and the overdue record will continue to be retained in the online loan big data. As long as the user's online loan big data has no overdue records and frequent applications resulting in multiple borrowing, then the user's online loan big data is good, which will not affect the user's subsequent applications for online loans.
Be careful not to believe some people who claim they can help you clean up your big data, online loan big data can only be optimized, no one can clean it up.
Net black, generally refers to the failure to repay on time, or have bad behavior of the user, it is easy to be included in the net black, to determine whether they are net black, you can check in the "small seven letter check".
Extended information:
How to deal with late credit card online loans?
Applying for a credit card was rejected, the bank gave the reason is not enough comprehensive score, then it is recommended to go to the first inquiry to find out exactly what went wrong, and then it is better to solve the problem for the problem.
After all, when the bank approves a credit card, it evaluates all aspects of the card, including age, education, marital status, residential address, workplace, income level, debt, repayment ability, assets, and credit status.
If there is a problem with your credit, and you have a bad credit record, then you can only apply for a credit card if you have a good credit record, and if you have a good credit rating, and if you have a new good record that gradually covers the old bad record, and if you have a good credit record, then you can apply for a credit card again.
And if you have too many credit cards or loans in your name, resulting in a high debt ratio, then you can find a way to pay off your debts or pay off some of them first, and then apply for a credit card after you've lowered your debt ratio.
Also, if the bank is concerned about the lack of repayment ability because of low financial income, then if there are additional assets, you can provide the bank with supporting information in this regard. When applying for a credit card, you should also consider whether the level of assets and financial resources required by the card and your own economic income status are compatible, do not blindly pursue a high level of credit card.