Bad credit card records have a great impact, which will directly affect the loan amount and the borrower's loan success rate. Once there are many overdue credit card records, the amount is large, and the time is long, it will be difficult to get a loan from the bank. But there is still a chance. After all, bad records generally do not follow people for a lifetime. There are several solutions.

1. "Eliminate" the impact of bad records. Once a credit card is overdue, what you should do is to repay it immediately. Then the bad records will generally be kept for 5 years. If they exceed 5 years, they will be deleted by the credit reporting agency. , will not have any impact on your financial business. This is also an opportunity for banks to repair their credit for people with default records. Everyone must cherish it.

2. New records overwrite old records. Nowadays, many banks only look at 24 months of loan review. If you have overdue records and choose to break it or cancel the credit card directly, then the corresponding records will no longer be Rolling, that is, the records will be saved for a long time. The correct operation is to insist on using the card for more than two years and keep your credit in good condition during this period, so that new and good records will gradually refresh and replace the old and bad records.

3. Policy loan: Strictly speaking, policy loan is a pledge loan. With a large insurance policy, you can obtain a loan with a relatively high amount and a relatively low interest rate. The credit requirements are not so strict. , so if your credit card overdue is not serious, you can choose this method of loan. Application method: Bring the original personal ID card (if the policy applicant and the insured are not the same person, you need to prepare the original ID card of the insured person), the original insurance policy, bank card number and other information specified by the insurance company, to the lending institution Apply for a loan.