Credit loan method: 1. Users apply for personal credit loans at the counter of a local bank with identity documents and other materials, and fill in some loan materials as required by the bank. The bank will evaluate the personal credit and issue loans if the credit passes. 2. Log in to your familiar bank App, click Credit Loan in the service hall interface, and then click Apply. 3. Many online lending platforms guarantee personal credit loans. After downloading a loan software on your mobile phone, you can apply for a personal credit loan presented on the software.

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.

If the personal credit loan is "three times in a row", it means that the personal credit report is extremely bad, and the bank will judge the individual as having a very bad impression. Then, there is a great risk that the borrower's loan and credit card application will be rejected.

The overdue records of credit cards are all recorded in the credit report. Therefore, people who have never paid back the credit card money indicate that personal credit information is poor, so personal mortgage will be rejected by banks. Therefore, you must pay attention to keeping your personal credit information and don't discredit your credit information.