However, if there are three reasons for overdue, banks will generally accept loan applications.

1, overdue due to bank reasons. For example, there is a problem with the bank's credit card repayment system, which causes your repayment not to arrive immediately, or your monthly payment increases after interest adjustment, but the bank fails to fulfill its notification obligation, then the applicant can ask the original borrowing bank to issue a non-malicious overdue certificate.

2. I am overdue for more than 6 times, but the repayment at other times is very good, and I can provide the bank with an explanation of the non-subjective reasons for not repaying on time. I can try to apply for proof of non-malicious repayment from the original issuing bank or loan bank.

The overdue repayment occurred two years ago. For overdue cases that occurred two years ago, banks generally do not count the number of overdue cases of applicants. However, if there are many overdue times two years ago, the bank will raise the applicant's loan interest rate or reduce the loan amount.

Banks are generally reluctant to accept applicants who have been overdue for more than three times in a row.

However, nothing is absolute. In practice, whether the loan can be approved is also related to the tightness of the overall national credit policy and the applicant's comprehensive qualifications, such as work, income, assets and so on.