Legal analysis: the borrower is overdue for 6 or 3 times in a row and cannot apply for a loan. However, if the applicant can provide evidence that he has not intentionally overdue, the bank may continue to lend. The issuance and use of loans shall comply with national laws, administrative regulations and administrative regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity. Generally speaking, if the total number of overdue times reflected in the credit report does not exceed 6 or 3 times in the past year, the bank will think that there is no serious problem with the credit record. If the applicant does not have a loans overdue record, the number of overdue credit cards is only once or twice, and such a credit investigation will not have a serious impact. However, if it is currently overdue, that is, a credit card is overdue when applying for a loan, even if the previous credit is very good, the current overdue will have a very serious impact on the loan application, and it is usually impossible to obtain a loan. There are three kinds of overdue times of credit cards: current overdue times, cumulative overdue times and maximum overdue times, as follows:

1. Number of overdue periods in the current period: refers to the number of consecutive times when the minimum repayment amount has not been paid. For example, if the cardholder fails to repay for three consecutive months, or the repayment amount for three months is lower than the minimum repayment amount, then the current period is three times;

2. Cumulative overdue times: the cardholder will accumulate the overdue times each time. For example, if the cardholder is overdue in the first month, repays on time in the second month and overdue in the third month, then the number of overdue times is 2.

3. Maximum overdue times: the historical maximum of current overdue times. For example, if the cardholder's current overdue number is 5 times in1-1October, the maximum overdue number is 5 times.

As can be seen from the above, the overdue credit card cannot be sure that the loan cannot be made. As long as the borrower's repayment ability is good and the overdue times do not exceed the bank standard, the loan can still be made. Therefore, if you want to get a smooth loan, you should pay attention to credit, use your card carefully and form a good habit of using it.

Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 14 of the General Principles of Loans: Lenders and borrowers shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period and the original term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.