Ms. Chen suddenly realized that she did not expect that the consequence of swiping her credit card indiscriminately three years ago would now become the "culprit" that hinders her from applying for a loan. 5. Experts analyze the impact of bad credit card records on loans. The credit information database has been launched as early as 2006 and all banks within the scope have been connected to the Internet. If the bank fails to repay credit card customers, has poor repayment records, etc., it will be recorded in the database. Legal objectivity:A personal loan application should meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations; (2) The purpose of the loan is clear and legal; (3) The amount, term and currency of the loan application are reasonable; (4) The borrower is capable; (5) The credit status of the borrower (6) Others required by the lender

3. How to deal with overdue credit cards?

Issue a non-malicious overdue certificate.