At present, 1 cannot be overdue, two overdue in half a year, two overdue in a row, three overdue in two years and six overdue in a row.

Personal credit information refers to the personal credit information records in the People's Bank of China system, generally referring to mortgage, car loan, credit card, etc.

If you borrow money from a bank, the bank needs to judge whether the lender can repay it on time; Have you ever borrowed money before? Is there any record of not paying back the money? Personal credit reports generally reflect the personal credit information of the past seven years, which cannot be eliminated. If there is continuous overdue, the bank will consider it as intentional overdue (most customers don't know the overdue period or forget to repay on time, and there is no intention to repay on purpose). This kind of loan customer is generally directly regarded as bank rejection. In serious cases, no matter how valuable the collateral is, the bank will not accept it.

Prohibited customers: the credit report reflects that the applicant has a serious bad record, the applicant's willingness or ability to perform debts is seriously flawed, and the past debts have formed a factual risk and meet one of the following conditions:

1. The loan or credit card account status is displayed as abnormal status such as frozen, stopped payment and bad debts;

2. Credit cards in the last 24 months (note: credit cards with account status displayed as "account cancellation" refer to the inquiry time in the last 24 months, and credit cards with account status displayed as "normal" refer to the last 24 months of the settlement year, the same below), G (unsettled account cancellation) or 4 (credit cards have failed to repay the minimum repayment amount for four consecutive times, and loans are allowed.

3. G (unsettled account cancellation), Z (assets to repay debts) and D (guarantor to repay debts) appear in the repayment status records of loans in the last 24 months (note: loans with "settled" account status, loans with "normal" account status, the same below).

4. In the last 24 months, the cumulative number of times that the minimum repayment amount of the credit card has not been paid has exceeded 8 or 3 times (the minimum repayment amount of the credit card has not been paid for 3 consecutive times, and the quasi-credit card has been overdrawn for 6 1-90 days) for more than 2 times;

5. In the repayment status record of the loan in the last 24 months, the accumulated overdue times exceed 8 times or 3 times (6 1-90 days overdue) exceed 2 times;

6. Other individual customers who should enter the prohibited category as determined by the business department.

For prohibited customers, unless the customer can prove that the above results are not caused by his own fault, provide a written explanation and the loan approval form is signed by the person in charge of bank credit business, banks at all levels shall not engage in new credit business with them.