Yes, when the credit report is grade D, it means that the personal credit situation is already quite bad, which also means entering the blacklist of banks. Generally, when applying for a loan or credit card, the banking system will have a preliminary evaluation. The initial evaluation is to check the credit rating, and the D level will be directly excluded by the system. Therefore, when there is a D level in the credit report, you can no longer borrow from the bank. If you want to improve your personal credit rating, you must pay off your debts and develop good habits. You can do it without arrears or overdue.