Credit records are evidence for banks to judge consumers' credit qualifications, and bad credit card records will directly affect the loan to buy a car.

In order to reduce the risk of car loans, banks will not refuse to accept overdue or defaulted car loans. Generally, the interest rate will rise three times and be rejected six times.

In addition, it depends on how much money is owed and whether it is maliciously overdue.

Therefore, it is very important to develop good repayment habits, and don't let your credit record be stained because you are in arrears with a penny.

It's best to see if you can find the bank with the previous credit card and issue a certificate to prove that you are maliciously overdue, so it doesn't matter.