The overdue credit card in 2008 does not have a great impact on current bank loans. Generally, banks look at the credit report of the past two years. General bank requirements for credit reporting: It cannot be overdue currently, it cannot be overdue twice within half a year, it cannot be overdue three times in a row within two years, and it cannot be repaid on time six times in total.

The process of applying for a bank loan:

The borrower submits a loan application;

Prepare loan-related information;

Account manager loan investigation;

Bank approval;

Both parties sign a loan contract;

Implement mortgage, pledge, unsecured contract or other guarantee contract;

Bank Loan;

Post-loan management;

Repay the principal and interest when the loan is due.