If there is a bad credit record but the loan officer says that the problem is not serious, it can usually pass the review. Bad credit records are very common. If there are reasonable reasons and can be reasonably explained, you can avoid a lot of adverse effects when applying for a loan. Moreover, some bad records are caused by banks. It is recommended to go to the bank where the records were generated to clarify them. If the problem is with the other party's bank, let the bank provide an explanation.

1. Whether you can get a loan depends on the situation

1. Social public information, whether there is a court judgment, whether there is tax evasion, whether there is a record of bus and subway fare evasion, etc.

"Normally, banks will not issue loans if the cumulative overdue amount reaches 6 times or the consecutive overdue amount reaches 3 times." However, banks will also specifically check the customer's overdue time and amount to judge the customer. Is it an unintentional delay or a malicious default? If the overdue period is short or the amount owed is small, and the overdue amount is non-consecutive, it will generally be deemed as unintentional overdue and will not affect the bank's loan disbursement; otherwise, the bank will regard it as a "tainted" customer and refuse to lend.

2. If the applicant is overdue more than 3 times in a year, a credit card will usually not be issued. However, if the applicant can provide evidence of unintentional overdue, the bank can also be "lenient". "The People's Bank of China is only responsible for providing citizens' personal credit records for commercial banks to inquire and refer to. There is no hard and fast rule. Credit cards or loans will not be issued for more than the number of times overdue." Whether credit cards or loans will be issued to applicants and the risks that may arise from this , entirely decided and borne by commercial banks themselves. It is normal behavior for banks to increase loan interest rates for customers with relatively poor credit records, and it is also a way to avoid risks. "Just like when a bank faces corporate customers, if it is a high-quality large enterprise, the bank's lending risk is small and the interest rate is low. If it is a small and medium-sized enterprise customer, the bank's lending risk is relatively high, and the interest rate will naturally be set higher."

2. Methods for handling overdue loan records:

1. After each loan or each credit card is issued, each commercial bank must submit the borrower’s repayment in accordance with the format prescribed by the central bank every month. The payment records are submitted to the credit reporting system, and a personal credit report is formed on this basis.

2. The Credit Information Center of the People's Bank of China has archived all collected repayment information. The "Credit Information Management Regulations (Second Draft for Comments)" published by the Legislative Affairs Office of the State Council in July 2011 ” stipulates that the credit reporting agency shall retain the personal bad information collected for 5 years, calculated from the date when the bad behavior or event is terminated; if it exceeds 5 years, the credit reporting agency shall delete it.

3. Some update mechanisms show that if the customer repays the loan on time every month from now on, then after a period of time, the bank will re-evaluate the customer's credit status. The key is still Be proactive about maintaining your credit record.