Yes, occasional bad records will not affect it. Serious overdue can be verified by credit data. This kind of information is more likely to appear in the following three items: First, we should pay attention to the "cumulative overdue times" and "maximum overdue periods" in the loan details. Second, when marks other than "/",* ","n "and" c "appear in the Record of Monthly Loan Repayment in the Last 24 Months, such as the number 1 to 7, or" d "and" z ",it indicates that the individual has overdue information. Third, in the "credit card details", the number of times the minimum amount of credit card has not been repaid is outside 0, such as 1 to 7. However, "1" or "2" in the 24-month repayment status of the quasi-credit card cannot be said to be a bad credit record. In practice, most commercial banks regard the repayment of a prospective credit card customer within 60 days as normal repayment, which will not affect the customer's new loan application.