Pay attention to the credit card overdue. As long as the credit card is overdue once, it will have little impact on the loan. There are 13 situations that will leave a bad record in the eyes of the bank, which will affect the loan:

1. The credit card is overdue for three consecutive times and accumulated for six times.

2. The monthly mortgage payment is overdue for 2 to 3 months or not repaid.

3. The monthly car loan payment is overdue for 2 to 3 months or not repaid.

4. If the loan interest rate is raised, the "monthly payment" is still paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas fees are not paid on time.

6. Personal credit cards are cashed out.

7. The student loan is not repaid in arrears.

8. If the "Sleep Credit Card" is not activated, it will still generate an annual fee. If it is not paid, it will generate a negative credit record.

9. Credit card overdrafts and mortgage loans are not repaid on time.

1. When providing a guarantee for a third party, the third party fails to repay the loan on time.

11. The personal credit report will also record some economic judgments of the court. Therefore, economic disputes such as debts will also affect credit records.

12. The mobile phone charge is linked to the bank card charge. If the mobile phone fails to go through the relevant procedures after it is stopped, it will be overdue due to the lack of monthly fee, which will also cause bad records;

13. Credit card arrearage records are generated by others using their ID cards or copies of ID cards.

The above 13 kinds of situations will lead to the borrower's bad personal credit records, and the serious cases will enter the bank's "blacklist". In addition, if the borrower's loan repayment is overdue or credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it is occasional and not long, the bank will still give preferential treatment. However, in some cases, if it is overdue for more than three times, it will affect the loan. pack up