Different banks have different efforts to review loans submitted by loan applicants, and each bank has different credit lines at different times. Therefore, if there are 1 or 2 overdue repayments in the credit record, you can try to apply to foreign banks or some commercial banks. If the bank has a credit line at this time, it will often know the situation of the lender in the credit record and give the loan review and approval.
If there is a serious overdue repayment, it is impossible to successfully apply for a car loan, and the applicant needs to maintain his credit record. Pay attention to develop good consumption habits and repayment habits on weekdays. For credit card repayment and water, electricity and coal payment, we should pay attention to the repayment period, ensure that each payment and credit card repayment are made on time, avoid overdue again, and re-establish personal trustworthy records.
If the credit card is overdue, it will have a certain impact on the applicant's loan. Whether the application is successful or not is subject to the bank's audit results.
Note: According to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.