If it cannot be recovered, this bad record will remain in your credit record for a long time. You'd better have a Bank of Communications CCB card. You should borrow these two cards and return them. Don't be overdue and don't have bad records. It is said that the credit record refers to the last two years.

Whether the loan is impressive depends on how the bank's credit department examines it. Personally, I think that your bad record in ABC has an impact on the loan. If the bad record of ABC is frozen, it should be considered serious.