Leaving a bad record in the eyes of the bank will lead to a bad personal credit record of the borrower, and in serious cases, it will enter the "blacklist" of the bank. In addition, if the borrower's loan repayment is overdue or the credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it is sporadic and the time is not long, the bank will still give preferential treatment. But in some cases, overdue for more than three times will affect the loan.