Generally, it is two consecutive loans, although it is not as serious as three consecutive loans, but many loan credit cards are difficult to apply for. Even if you can apply, the quota and interest rate will be greatly affected.
Overdue records will be automatically eliminated five years after overdue debts are settled. If you can't wait five years, you can also apply for early elimination through objection appeal. There is no overdue record, and there will be no big problem in credit investigation.