1. If your overdue amount is small and it happened without your knowledge, you can apply to the bank to cancel the bad record, and the bank will submit an application to the central bank.

2. If it is currently overdue (overdue, unsettled), it is usually impossible to borrow money. Borrowers need to settle overdue loans and credit card overdue repayments before applying for loans.

3. If it is historically overdue, first check whether the credit record period has passed. At present, the overdue records of nearly five years are kept in the credit report, and the credit records of more than five years will not be reflected. So overdue five years ago does not affect the loan application.

If it is overdue within 4.5 years, the lending institution will review the overdue situation. Usually, the loan will be refused if it is overdue for more than 6 times or more than 3 times in a row (different banks have different standards). If the credit card is overdue only once and there is no overdue at present, it usually has little impact on the loan.