overdue credit card repayment will have a negative impact on personal credit records, which may lead to unfavorable evaluation when applying for loans. Generally speaking, if the number of overdue credit cards exceeds a certain threshold, banks or financial institutions will think that the borrower's repayment ability is insufficient, thus rejecting his loan application.
in fact, banks and financial institutions have slightly different ways to deal with overdue times. Some banks may make an assessment on a case-by-case basis, taking into account the borrower's overall credit status and other repayment records. However, generally speaking, credit card users who are overdue for three times will still face great difficulties when applying for loans.
in order to improve the success rate of loan application, it is suggested to actively pay off the credit card arrears after the deadline and keep a good repayment record for a period of time. This can gradually restore personal credit records and increase the possibility of success in future loan applications.
to sum up, three overdue credit card repayments will have a negative impact on the loan application, but the specific situation depends on the evaluation criteria of banks or financial institutions and the overall credit situation of borrowers. Therefore, it is suggested to pay off the overdue funds in time and maintain a good credit record to improve the chances of successful loan application.