Under normal circumstances, it is unlikely that the loan will be approved more than 0 times.

2. I can't apply for a loan if my credit card is overdue for more than a few times?

This is basically different from bank to bank. Generally speaking, being tired for six months in a year is very serious, and you may not be able to apply for a loan. Some banks have stricter rules.

3. Can I get a loan if my credit card is overdue for many times?

When reviewing users' credit, banks will go to the Credit Information Center of the People's Bank of China to collect users' personal credit information reports, which will contain detailed records of overdue credit cards. In fact, credit card overdue does not mean more than a few times, but refers to the cycle.

When most banks handle loan business, personal credit record is an important reference index, but users will not be "killed with a stick" because a credit card fails to repay. When judging users' credit, banks should not only look at credit records, but also look at users' financial contributions, that is, their participation in bank credit business. From this point of view, users who occasionally have one or two small credit stains may have a higher credit rating than users who only deposit without loans and have no credit history. "

Under normal circumstances, the bank will not issue loans if the accumulated overdue reaches 6 times or 3 times in a row. However, if the applicant can provide evidence of unintentional overdue, the bank can also be lenient.

Remedial measures for overdue personal credit of credit card;

If the credit card holder has overdue repayment for many times, it will be recognized as obvious malicious behavior by the bank, thus affecting his loan application business. In addition, in the event of a bad debt record due to negligence, don't think that closing the account immediately after repayment can clear the stain. On the contrary, at this time, the account cancellation will also lose the opportunity to repair the overdue repayment record. The correct way is to use this credit card normally after the stain appears, spend more, repay in full and on time, keep the repayment record, and cover the original negative record with the new repayment record, so that a new credit record will be generated after 24 months, which will not have a bad influence on credit behavior.

The credit card was overdue for half a year and was returned seven days ago. Now, is it allowed to borrow money from the bank again?

It is also difficult to pay back the money, and banks will not lend.

1. One of the main conditions of bank loans is good credit. For those who borrow money but don't pay it back, or often default, no matter how good other conditions are, they won't borrow it because they are afraid of not paying it back.

2. If the credit card is overdue for half a year, it is overdue for six consecutive months. If it is seriously overdue, it will definitely be reported to the People's Bank of China. Personal credit report will be truthfully displayed. Even now, due to poor credit, you can't apply for a loan or credit card.

If you don't return it all the time, the bad record will always exist, not disappear, and there will always be stains in the future. The correct way is to pay off the arrears immediately, maintain good credit in the future, and cover up bad records with good records.