It has a poor credit rating.

A credit rating of C can easily affect users’ various lending behaviors, because the credit rating is divided into four levels: ABCD and CD. It is a worse level and is also a more serious situation. Banks or formal lending institutions will consider the user's credit record when borrowing money. If it is C-level, it means that the user has many or larger bad credit problems, so it is not easy to apply for a loan.