A total of 13 cases will leave a bad record in the eyes of banks and affect loans:
1. The credit card has been overdue for three consecutive times, totaling six times.
2. The monthly payment is overdue or overdue for 2 to 3 months.
3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.
4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.
5. Water, electricity and gas charges are not paid on time.
6. Personal credit card cashing.
7. The student loan is in arrears.
8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.
9. Credit card overdrafts and mortgage loans are not repaid on time.
10. When providing a guarantee for a third party, the third party fails to repay the loan on time.
1 1, personal credit reports will also record some court economic judgments. Therefore, economic disputes such as debt will also affect credit records.
12. Mobile phone charges are linked to bank card charges. Failing to go through the relevant procedures after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, and it will also cause bad records;
13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.
The above-mentioned 13 situation will lead to the borrower's bad personal credit record, and the serious situation will enter the "blacklist" of the bank.
In addition, if the borrower's loan repayment is overdue or the credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it is sporadic and the time is not long, the bank will still give preferential treatment. But in some cases, overdue for more than three times will affect the loan.
Conditions to be met for the loan:
1. The applicant has full capacity.
2. The applicant has reached the age of 18, but the total age at the time of loan and during the loan period cannot exceed 70.
3. The applicant has a stable job and income source, and has the ability to repay the loan principal and interest on time.
4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.
5. Good credit, and the credit record meets the access requirements of the lending bank.
6. Other conditions stipulated by the lending bank.