Hello, many small commercial banks are very flexible when approving loans. They will not look at your statements or credit records in a formulaic manner like the four major state-owned banks. They will analyze it. Factors that lead to your bad credit history. For every borrower, you should know the reasons for your bad credit record. The frequency of overdue payments can be shown on your credit report. In addition, the most important thing is to look at the severity of your overdue payments, that is, look at the corresponding number on your credit report. What is the number? Generally, if the number of overdue periods is more than 3, it is basically very difficult to get a bank loan.