People with poor personal credit information can apply for a loan again, which will have an impact on the approval of the loan. Try the following methods:

1. Pay off overdue card overdraft or loan principal and interest;

2. The proof of non-malicious arrears issued by China Bank, and the credit card or loans overdue has not been returned;

3. Provide the issuing bank with corresponding asset certificates or third-party guarantee documents with guarantee ability and qualification.

Extended data:

Find ways to eliminate bad records, there are several ways to get loans:

1. Handle mortgage and pledge loans.

For people with bad credit, it is difficult to apply for loans from financial institutions only by relying on their own credit. So you can consider applying for a mortgage loan. Generally speaking, real estate, cars, valuable antique calligraphy and painting, and the equity of listed companies can all be used for mortgage loans.

2. Choose an online lending platform with low threshold.

At present, there are also some online lending platforms with lower thresholds for everyone to try, and there is a possibility of success if the credit is not good. However, the lending amount of online lending platforms is often relatively low, especially for people with poor credit. Sometimes, the loan amount you can get is only a few thousand yuan, or even a few hundred yuan.

3. Wait for the credit record to be eliminated.

According to the regulations, when everyone pays off the debts, the bad credit records will be automatically eliminated after 5 years. Generally speaking, there is a bad record of more than 2 years, which has little negative impact on everyone. Therefore, after the bad record is eliminated or the negative impact is weakened, you can apply for a loan.

References:

People's Daily Online-Personal credit check too many times, the mortgage was rejected.