Everyone has different reasons for overdue, perhaps because they forgot to repay, perhaps because they didn't repay automatically, perhaps because they misremembered the repayment date, or because they didn't have the money to repay. In short, overdue repayment is a serious breach of contract. As long as it is overdue for a long time, it will be truthfully displayed in the credit report, which will affect the subsequent loan application.

2. There are too many online loans.

Although the popular loan platform on the Internet is convenient and fast, many people have begun to collect credit information one after another. Many people are used to relying on such online loans, but they don't know that these "application behaviors" will be recorded by big data. The more times, the harder it is to approve.

3. The comprehensive liabilities are too high.

Many people are used to paying off their accounts. When an online loan or credit card is about to expire, they will apply for another credit product to fill this loophole. Stock matching reminds everyone, don't think that applying for online loans at the same time can use the "time difference" to obtain quotas for different platforms. Once the bank finds that the applicant's debt is too high, it will directly refuse and pull into the gray list.

4. There are too many credit inquiries.

Have you noticed that at the end of the personal credit report, there is an inquiry record, which records the application record of the inquired person in the past two years, including the time, the inquiry institution and the inquiry reason. There is a saying in the bank that six applications for loans or credit cards in the past two months are classified as "cash-strapped households".