You have to explain clearly whether it is the bad record in loans overdue or the bad record of credit card not paying back on time. If it is the former, go to your loan bank to find the account manager who handles the loan for you. If it is really malicious overdue or can explain the reason clearly, the bank will generally open it for you, and it is relatively simple. If it is the latter, it will be more troublesome, because there are not many ways to prove that you are really harmless.