In this case, you can only wait for your credit to improve before lending. 1. If there is a red warning of bank repayment, it means that there have been serious overdue behaviors before. 2. Even if the repayment is made, the personal bad credit record will be eliminated after five years. In this case, the loan amount cannot be reduced.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.