Personal credit record: two-year online loan 17 times paid by clear credit card, two-year personal credit record overdue for 3 times, and two-year inquiry for 50 times. Can such records be used for car loans? The possibility of obtaining a car loan is low. The record shows that individuals have frequently borrowed online loans in the past two years. Although they have all been settled, they show a certain loan dependence. At the same time, credit card overdue for three times will also have a negative impact on credit evaluation. In addition, the number of personal credit inquiries has increased, and the credit rating will be further affected.

Detailed description:

1. Frequent online loan records show that the loan demand is large, indicating that individuals may have financial pressure or debt accumulation. This may make banks worry when considering whether to approve car loans, because they want borrowers to have a stable financial situation.

2. Credit cards with overdue records within two years mean that personal repayment is delayed or unstable, which will reduce the credit rating of applying for car loans. Banks usually prefer to lend to borrowers with good credit and strong repayment ability.

3. The personal credit report has been inquired for 50 times, which shows that the borrower's credit record has been widely concerned. Although personal inquiry will not have a direct negative impact on credit rating, too many inquiries may be interpreted as frequent loan demand, which increases the risk when banks approve car loan applications.

To sum up, based on the personal credit records of 17 online loan settlement, 3 overdue credit cards and 50 personal credit inquiries, the possibility of handling car loans is low. Before applying for a car loan, it is suggested to improve the credit record, improve the credit rating by repaying on time, reducing the number of loans and inquiries, and increase the probability of handling a car loan.

Extended data:

Personal credit record is a report to record personal credit status, which is provided by the Credit Information Center of China People's Bank. Banks and other financial institutions usually refer to personal credit records when considering whether to approve loan or credit card applications. These records include personal loan history, repayment, overdue records, inquiry records and other information, which have an important impact on credit rating and loan application results. According to different credit ratings, banks can better assess the credit risk of borrowers and make corresponding decisions.