No, accumulated overdue for 6 times or continuous overdue for 3 times is considered as bad credit information. Banks will not issue loans, nor will they approve credit cards. Some formal loan platforms will not pass, or even be blacked out by your overdue banks. You can't get a loan in a short time, because your bad credit record will not be eliminated until five years after you pay off all the bad credit records. Repay on time from now on, maintain a good credit record, and strive to cover bad records as soon as possible.