Rong360 loan expert’s reply: Hello! When banks evaluate a person's credit status, they usually base it on the person's past credit behavior record, which mainly includes the individual's past credit transaction records such as loan repayments and credit card use. An individual's credit record in the central bank's credit reporting system is divided into three categories: with or without a credit record, and with a credit record, good or bad. For banks, having a good credit history is better than having no credit history, while borrowers with a bad credit history face the risk of being rejected. Regarding the standards for good credit, here are some points summarized for your reference: 1. The loan is not currently overdue or the guarantor has repaid it; 2. The credit card is not currently overdue; 3. The prospective credit card has no overdraft record that has not been repaid for more than 180 days. (excluding card fees and annual fees); 4. There is no record of credit card failure to repay the minimum repayment amount for more than 6 periods in the past 12 months (excluding card fees and annual fees); 5. A single loan within 24 months There is no record of being overdue for more than 6 consecutive periods (including repayment by the guarantor); 6. There is no record of loan extensions (extensions) or debts being used to offset debts in the past two years; 7. There is no record of a single loan being overdue for more than 24 periods in total; 8. There is no record of being sued for bad credit.