Generally speaking, there is a general standard that can refer to "three times in a row, six times in a row", that is, three times in a row or more than six times in a row.
1. If the credit card is overdue only once or twice, the bank will generally review the overdue reasons. If a bank lends money, it will generally raise the loan interest rate under the same conditions.
2. If the loan is overdue for three consecutive times or accumulated for more than six times, banks will generally refuse to lend for credit reasons.
note:
(1) Occasionally overdue for a short time, you can ask the bank to issue a non-malicious overdue certificate after paying off the arrears.
(2) The overdue records shall be kept for 5 years from the date of paying off the arrears, and will be cleared automatically after 5 years.
(3) At present, most banks only look at overdue records within two years. If there is an overdue record, after paying off the debt, keep a good habit for two years and the loan will not be affected.
legal ground
Article 687 of the Civil Code of People's Republic of China (PRC): The general guarantor enjoys the right of defense. Where the parties agree in the suretyship contract that the surety shall bear the suretyship liability when the debtor fails to perform the debt, it is a general suretyship. The guarantor of a general guarantee has the right to refuse to assume the guarantee liability to the creditor before the main contract dispute has been tried or arbitrated and the debtor's property has been enforced according to law, except in one of the following circumstances: (1) the debtor's whereabouts are unknown and there is no property available for execution; (2) The people's court has accepted the bankruptcy case of the debtor; (3) The creditor has evidence to prove that the debtor's property is insufficient to perform all debts or cannot perform debts; (4) The Guarantor waives the rights stipulated in this clause in writing.