After accepting the loan, the bank will first check the use of the credit card under the borrower's name. If there are a large number of overdue times, in the bank's view, the borrower fails to repay it in full and on time, and in order to avoid the credit risk, the bank will refuse to lend to such people.

2. Private existing debt

Generally speaking, a bank will agree to lend money only if a family's total income is at least twice the debt. Therefore, before lending, the borrower must reasonably evaluate the approximate amount he can get according to the income and debt ratio stipulated by the bank.

3. Inquiring about credit records for many times

For example, in a period of time, due to the approval of loans and credit cards, customers' credit reports have been inquired by different banks and institutions for many times, which may indicate that customers have applied for loans or credit cards from many banks, but they have failed.

4. Forgery of loan data

When a bank handles a housing loan, it will ask the lender to submit a series of materials, but in the end it will not pass the examination, mostly because some materials are fraudulent. Once discovered by the bank, the loan will undoubtedly be rejected, and it will also be blacklisted by the bank, which will affect future loan applications.