If the credit is bad, it depends. Banks with minor circumstances can approve loans according to the situation. For example, the credit card repayment is overdue 1 day, and the amount is insufficient 1000 yuan. The bank can't refuse your approval. There are millions of non-performing loans or high debt ratio, so there is nothing to say. In the case of bad credit information, the loan conditions can be improved:

The first is to add a guarantor. Under the same conditions, if the credit information is not good, but the loan is within the controllable range of the bank, the loan can be made by increasing the guarantor. As long as the lender can agree to provide the guarantor information again, most of the lenders are businessmen now, so it is the best way to add a guarantor before going to the bank for a loan. The second is the floating loan interest rate. In the case of poor credit information, in order to reduce risks, insurance is increased by floating interest rates. It used to go up by 50%, but now it goes up by 100%, or even higher. Who told you that your credit information is not good!

Therefore, personal credit information is very important. Don't take your credit history casually, it will be ugly to get a loan.

Second, how to borrow money if there is a problem with credit reporting?

There are generally two ways to choose loans with credit problems, mortgage loans and the Internet. Mortgage loan requires the borrower to have assets that can be used for mortgage, but the network has lower requirements for borrowers and generally does not take credit information, so it is easier to apply.

Hello, my credit information is very poor. Can I get a loan?

When applying for a personal loan, the lending bank will refer to your credit history comprehensively, not just for a certain period of time. If you intend to apply for a personal loan in China Merchants Bank, whether the approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of the local China Merchants Bank outlet for further verification.