If there are bad debts, the borrower will leave a record of bad debts on the credit information and cannot apply for a bank loan. If the borrower handles the bad debts and has a certificate of settlement of the bad debts, he can apply for a loan in the bank. However, whether the loan can be approved depends on the final approval result. Users are advised to handle bad debts for a period of time before lending. If the credit information has not been repaired, the chances of passing it will not be very high.

There are two reasons for bad debts of credit cards, one is general bad debts, and the other is overpayment of bad debts.

1, general bad debt: that is, the overdraft amount of the user's credit card has not been repaid, and bad debts will be formed after a long time.

2. Premium bad debt: refers to the long-term idleness of the user's credit card, but the amount repaid by the user is higher than the amount that should have been repaid. For example, users owe a bank credit card 8999 yuan, and the repayment is 9000 yuan. If they don't pay one yuan more for a long time, they will have bad debts.

The following circumstances can be identified as bad debts:

1. Creditor's rights that cannot be recovered after the borrower and guarantor are declared bankrupt, closed, dissolved or revoked according to law, and the legal person qualification is terminated;

2. After the borrower dies or is declared missing or dead, in accordance with the provisions of the General Principles of the Civil Law of People's Republic of China (PRC) and the General Principles of the Civil Law of People's Republic of China (PRC), the financial enterprise can't recover the creditor's rights after paying off its property or inheritance according to law and recovering the guarantor;

3, according to the provisions of national laws and regulations have the right to invest in foreign financial enterprises, due to the investment enterprises declared bankruptcy, closure, dissolution or revocation, and termination of legal personality, financial enterprises after liquidation and recovery of shares is still unable to recover.