Hello,

The impact is not big because:

1. Each bank (or even each branch of the same bank) will have its own rules for handling overdue transactions. A measure of oneself. Because the credit reporting system of the People's Bank of China only serves as a reference for banks when extending credit, and is not a guideline.

2. As long as you can explain the situation and convince the bank that your previous overdue payment was not malicious, the number of times does not matter. The main ways to explain the situation to the bank are:

A. Ask the original credit card issuer to issue you a non-malicious overdue certificate (this will be more difficult)

B. When loaning, The bank writes a statement explaining the reason why you were overdue before (such as traveling on a business trip, forgetting or not knowing the repayment date) and your attitude towards repaying the loan on time in the future. (This is a relatively common approach)

C. If you have other credit card or loan records, and they are good, those will also be evidence that you did not overdue the card maliciously.

3. Generally speaking, overdue payments within 10 times will have little impact. One of my clients was overdue on his previous mortgage 51 times. After explaining the situation clearly, the loan was released.