First of all, different banks have different tolerance for overdue. Some are very strict, while others are relatively loose. Generally speaking, you should have a good grasp of the data: you can't be overdue twice in the last three months, three times in the last six months and four times in a year; It can be regarded as a red line. Within this red line, with considerable income and excellent repayment ability, banks will still lend as appropriate. You must keep your credit information in your daily life, otherwise you will find it more difficult when you need it.
Second, it is not good to find a loan from the bank president, but it must meet the conditions for the bank to apply for a loan. Like other staff members, bank managers need to submit loan application materials. Only after passing the examination and approval procedure can you get a loan. The president of the bank will only have a smoother procedure. If the credit information is not good, you should apply for mortgage, pledge and guarantee loans and provide high-quality assets. Not only can you get a loan quickly, but the loan amount is high and the interest is low. To apply for a credit loan, you need to repair the credit information first.
If you have a bad credit record, you can bring your personal ID card and credit card certificate to the local people's bank to check your credit status and check the details of your credit record. According to the current regulations, individuals have the right to obtain their credit reports twice a year for free. If you are not blacklisted for bad credit, you may still apply for a loan successfully. Under normal circumstances, the limit that the loan bank requires overdue is that it cannot exceed twice in the past three months, three times in the past six months and four times in a year. If it is overdue for six or three times in a row within two years, it will be regarded as a bad credit record by the bank, and it is usually difficult to gain the trust of the bank, and it will be rejected in nine cases out of ten when refinancing. In addition, if you have been in loans overdue for more than 90 days, and you are blacklisted by the bank, it is estimated that it will be difficult to get another loan.