1, too many loans, which may easily lead to changes in credit information. If there are too many loans, it will lead to too many loan approval records and credit inquiry records, and too many hard inquiry records will easily lead to changes in credit information. Other lending institutions will feel that the applicant's economic situation is not good, and he is in urgent need of funds, but he is unwilling to grant loans.

2. loans overdue will lead to bad credit report. Once the bank loan is overdue, it will be uploaded to the credit information system, leaving an overdue bad credit record. It will be more difficult for borrowers to apply for other loans in the future, and even some pure credit loan products cannot be applied directly.

3. There are many outstanding loans and high debt ratio. If it is not settled, the borrower's income or assets will not be greatly improved in the short term, and the borrower's debt ratio will become high, making it difficult to apply for other loans. Many loan products require the applicant's debt ratio not to exceed 50%.

4. A good loan record helps to accumulate personal credit. However, it does not mean that bank loans have no income. If you apply for bank loans normally, don't borrow too frequently, and repay them on time, which is conducive to accumulating a good credit record. If the credit record is blank, the lending institution cannot easily assess the applicant's risk level.