If the bank stops users due to business problems, it is within the normal scope of suspension and will not affect the mortgage loan. \x0d\　If it is caused by overdue repayment, it will have a certain impact. \x0d\ Generally speaking, if the borrower's overdue circumstances are minor, but other qualifications meet the conditions stipulated by the bank, the bank will "turn a blind eye" and grant loans or approve credit card applications. But if the overdue circumstances are serious, no matter how excellent other qualifications are, the bank will "beat him to death with a stick." The reason for this is simple. The borrower's good credit is a prerequisite for lending and approving credit card applications, so the bank is worried that the loan may not be repaid. \x0d\ If there are overdue loans in the personal credit record in the past 2 years, and the number has reached 3 times in a row or 6 times in total, the borrower will usually be denied a loan or approval. \x0d\　The so-called three consecutive overdue loans means that the loan repayment period of a fund is one month, but the borrower has not repaid the loan for three consecutive months. The cumulative six non-repayments means that after a certain loan is overdue, the borrower repays the loan, then becomes overdue again, and then repays the loan again, so that the total number reaches six times.