You have a big brain hole, so you were banned. . . Banks don't have that much power, but it's definitely not easy to apply if it's overdue.

However, not all overdue loans cannot be applied for, as long as they are not overdue in bad faith, there is still a chance to apply for loans:

1. The overdue period shall not exceed 90 consecutive days;

2. Within two years, no more than 6 times overdue;

3. The total overdue amount is less than 1000 yuan;

You can also go to the bank to issue a non-malicious debt certificate, which can be submitted to the bank together with the loan application.

Of course, if you can get a strong guarantee, you should be able to borrow it more smoothly.