Conclusion:
In the case that the personal credit card has two overdue records, the loan may be affected to some extent, but it does not mean that the loan cannot be made at all.
Detailed description:
1. Credit records have an important impact on loan approval: banks and other financial institutions usually check personal credit records when approving loans. Credit card overdue records will have a negative impact on loan approval, because it shows that individuals have not repaid on time in the past.
2. Loan approval is not just about credit records: in addition to credit records, many other factors will be considered when applying for loans, such as income status, employment stability and loan purpose. If an individual performs well in these aspects and proves that he has the ability to repay on time, he may still get a loan even if his credit card has two overdue records.
3. Need to provide relevant certification materials: In the process of loan approval, it may be necessary to provide relevant certification materials to support personal credit, such as proof of income and proof of assets. By providing these certification materials, the credibility of personal loan application can be further enhanced and the probability of obtaining loans can be improved.
Summary:
Just because a personal credit card has two overdue records doesn't mean you can't get a loan at all. Many factors are comprehensively considered in loan approval. Although overdue credit card records will have a certain negative impact on loan approval, other factors such as personal income status and asset certificate will also have an impact on loan approval. Therefore, loan applicants should provide relevant certification materials as far as possible to enhance the credibility of personal loans.
Extended data:
Individuals are advised to pay attention to and manage their credit card overdue records before applying for loans. It is an important way to keep a good credit record to abide by the rules of credit card use and repay on time. In addition, checking personal credit reports regularly and correcting possible mistakes in time will also help to maintain a good credit record.