It's not true that the bank will not charge double interest because of your bad credit. You can rest assured.

Overdue loans will have a negative impact on future loans, and there may be no loans in the future.

The bank is state-owned, and the bank will not admit that it is your own reason that led to your non-repayment.

Description of overdue situation.

One or two bad records generally have little effect. If there are too many times, for example, three times in a row, or n times in total, it will be in trouble. The bank may refuse to apply for a loan for you again. Banks have different strict requirements, and they may be more relaxed if they have acquaintances.

This delay, even if it is delayed by one day, will be recorded in the record, usually 30 days, such as how many times is expected within 30 days, and how many times between 30 days and 60 days.

Bad records will be kept for 7 years. You haven't had a new bad record for seven years, and your previous record has been eliminated. If it's only overdue once or twice, it's not a big problem, don't worry. You can negotiate with the bank. Otherwise, you can go to the complaints department of the head office to fight for it. Hehe, I hope I can help you.