Needless to say, each commercial bank has different tolerance for customers' overdue records, which also reflects the different preferences of commercial banks for credit risk. However, application records are often ignored by credit customers.
At the end of the general bank version of the customer credit report, there will be records of customers' recent applications for credit cards and loans (whether housing loans or small consumer loans, etc.). ), guarantee qualification examination, post-loan investigation and so on. If there are not many credit cards, the credit line is very small, and the loan line is not large, but several pages of corresponding application records can't be written. This also shows that customers are short of money in the near future, and it is very likely that the application for credit funds is false, the funds are misappropriated, and even a debt crisis occurs.
At the same time, it can also prove that his recent credit application to other banks is rejected with a high probability, which directly proves to us that there must be some key factors that this customer does not meet the conditions for new credit extension. There are too many application records, and the result is that the new credit line for commercial banks is very low, which is difficult to approve or even rejected.
You have to admit that when banks approve loans, they will have the professional inertia of approving loan applications, and one of the most important aspects is the most intuitive application record. Therefore, it is very important to protect the overdue records of personal credit information.