It has an impact. Although banks currently attach great importance to the personal credit of borrowers, it does not mean that you cannot apply for a loan if you have a "stain" on your credit. Whether you can lend a loan depends on whether the overdue situation is serious.

Generally speaking, if a borrower has one or two overdue credit cards, and the overdue amount is not large and the term is short, the bank will still be willing to grant him a loan, but the loan interest rate will be increased, and the loan obtained will The amount is not high; if the borrower has been overdue for more than six times in the past two years, or has been overdue for more than 90 consecutive days, then in this case of serious overdue, the loan application is very likely to be rejected, but if the borrower can There may be a glimmer of hope if you provide bank-approved collateral as collateral or find a bank-approved guarantee institution/guarantor as guarantee.