Legal analysis: when the bank approves the loan, the borrower's credit report is overdue for three consecutive times or six times in a year, and the loan is refused. If the borrower is overdue only occasionally, the bank can apply for a loan after verification. However, some banks will be more strict in auditing and risk being rejected. Occasionally, the credit report is overdue. In order to avoid the rejection of loan application, individuals can submit strong financial proof, and banks with strong repayment ability will still lend you money; If the bad credit information is caused by false information, you can apply for administrative reconsideration, which is generally 15 jobs.

You can get a reply on the 20th. If the bad records can be removed smoothly, the follow-up loan is still very easy.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.