1. The employment credit information records of Guangfa Bank cannot have too many overdue records. Generally speaking, the overdue times can't exceed 4 times, and there can't be overdue debts during the inquiry period (that is, they haven't been settled at the time of recruitment), which is a "bad debt" and the bank will definitely refuse to join the job.
2. There cannot be too many credit cards, loans and debts in the credit report. If the number of credit card accounts exceeds five, or the amount of bank loans is too high, which exceeds the income level of a normal college student, then the bank will think that the debt ratio of the job seeker is too high to be suitable for employment.