At present, when reviewing the credit status of applicants, all major banks regard six or more overdue repayments within two years as the node of whether there is a bad credit record.

Applicants who have been overdue for three consecutive times or accumulated six times or more in two years will not get loans.

The rules of the bank are as follows:

1. ICBC, the loan application of users who are overdue for 6 times or more in the last 24 months will not be approved.

2 installment repayment of loan principal and interest in arrears for three consecutive periods (inclusive) or accumulated arrears for more than six periods (inclusive), the Construction Bank will not grant loans.

3. China Agricultural Bank will not be able to apply for loans if it has been overdue for more than 6 times or for more than 3 consecutive times in the last two years.

The same is true for credit card applications, but the bank will not only check your overdue times, but also check the reasons for overdue. If the overdue is caused by the bank, or if it can provide proof of non-malicious overdue, the bank will also be lenient.