Even if the bank bill is not timely, these excuses cannot be established, because you are really overdue too many times. And the credit record is not timely and long-term; It is even more impossible to apply for cancellation in the People's Bank of China. Generally, credit card records like yours are overdue for not one or two days, and the bank will report them to the People's Bank immediately. There is a buffer period of nearly 10 days. In the meantime, you just need to return them. Although commercial banks have records, the People's Bank of China will not have records, which shows that the overdue time is not short every time ~

Although the current provident fund loan mainly examines whether the local provident fund management center has paid the provident fund in full and on time, your repayment ability and credit history are also very important, because the money is given to you by the bank. See if we can improve the possibility of approval by adding guarantors or collateral.