1. Prerequisite: there are no overdue records in the last two years.

2. Banks will consider many factors when approving loans:

A credit history: the bank will pay attention to the applicant's credit history and evaluate the past overdue situation. You mentioned that 20 14 was overdue three times and 20 15 was overdue once in April. Compared with the long and good repayment record, these overdue situations have passed for some time, so it will not have much impact on the loan application.

B. income status: the bank will consider the source and stability of the applicant's income. If you can prove that you have a stable source of income and your income is enough to support the repayment of the loan, it will increase your chances of getting a loan.

C other information: in addition to credit records and income status, banks will also require other necessary information, such as identity certificate, work certificate, property certificate, etc.

3. Summary: Although you have overdue records in the past, you still have the opportunity to apply for a loan as long as you have not overdue again in the last two years and can meet other requirements of the bank.

4. Extended information:

Different banks and regions have different loan approval standards, and different banks have different tolerance for overdue records. In addition to the overdue records of credit cards, personal loan applications may also be affected by other factors, such as your debt burden and the utilization rate of credit lines. Before applying for a loan, you are advised to consult a specific bank and provide detailed personal information to get a more accurate answer.