First of all, it should be noted that different banks and financial institutions have different tolerance for overdue times, so there is no specific figure that can be applied to all situations. But generally speaking, if the credit card holder is overdue for many times in a row, the bank will think that his credit record is bad and will not give any more loans.
Secondly, in the eyes of many banks and financial institutions, overdue behavior will be regarded as an indicator of credit risk. The more overdue times, the greater the credit risk, and the less willing banks are to bear the corresponding loan risks. So overdue for more than a few times may have a negative impact on the loan application.
Generally speaking, the number of overdue credit cards has a certain impact on loan applications. Repeated overdue loans may lead banks to be reluctant to give loans, because banks will think that borrowers have bad credit records and high credit risks.
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In addition to the number of overdue times, other factors of credit cards will also have an impact on loan applications. For example, overdraft limit, historical repayment record, frequency of credit card use and credit limit are all factors for banks to consider loan applications. Therefore, it is not enough to only pay attention to the overdue times of credit cards. Borrowers also need to pay attention to other credit-related factors in order to maintain a good credit record.
In addition, generally speaking, when borrowers apply for loans, banks will comprehensively consider multiple factors, not just the number of overdue loans. For example, the borrower's job stability, income status and debt ratio will also have an impact on the loan application. Therefore, even if the credit card has an overdue record, as long as it performs well in other aspects, the borrower may still get a loan.
In short, in the process of loan application, the number of overdue credit cards is an important factor, and multiple overdue may have a negative impact on the borrower's loan application. In order to maintain a good credit record and increase the probability of loan approval, borrowers should pay attention to timely repayment, maintain good loan application conditions, and pay attention to other credit-related factors.
Note: The above answers are for reference only, and the specific contents may be different according to personal credit records and bank policies. It is suggested to consult relevant banks or financial institutions according to the actual situation to obtain accurate information.