Yes.

The general industry standard adopts the "three in a row accumulates to six" assessment mechanism: three consecutive months overdue within six months, and a total of six months overdue within one year. Being overdue for three consecutive months can be regarded as serious overdue, so it is basically impossible to reapply for a loan or credit card in finance. Even if it is paid off, the chance of being rejected is still very high. If you are overdue for 6 months in a year, regardless of the amount, your overdue proportion will be one-half. After applying for a new loan, you are expected to have a higher chance, and the institution will not authorize the processing.

Each bank has its own specific regulations and procedures. If there are strict controls, you may not be able to get a loan.