Detailed description:
1. The number of overdue credit cards is as many as 15 times, indicating that personal repayment risks are greater.
2. Banks usually evaluate the applicant's credit when approving car loans, and borrowers with good credit records are more likely to get approval.
3. Too many overdue times will affect the individual's credit score, which may lead to the bank refusing to apply or demanding higher interest rates and collateral.
4. The number of overdue times also reflects that the individual's solvency and willingness to repay are insufficient, which is unfavorable for applying for a car loan.
Summary:
Based on the above analysis, China Merchants Bank's credit card is overdue 15 times, and it is unlikely that the car loan application will be passed. Too many overdue times will have a negative impact on personal credit score and the approval of lending institutions. Therefore, it is suggested to avoid overdue credit cards as much as possible and actively improve personal credit records.
Extended data:
The banking industry in China attaches great importance to the credit evaluation of borrowers, among which the credit card repayment record is one of the important indicators to evaluate personal credit. Too many overdue times will have a negative impact on personal credit rating and may encounter difficulties in future loan applications. Therefore, maintaining a good credit record and timely repayment are important ways to maintain personal credit.