Solution:

1. If the overdue amount is very small and occurs without knowledge, you can apply to the bank to cancel the bad record, and the bank will submit the application to the central bank.

2. If it is currently overdue (is overdue and has not been settled), the loan is usually not available. The borrower needs to settle the overdue loan and overdue credit card repayments before applying for a loan.

3. If the credit record is overdue, first check whether the credit record period has passed. At present, overdue records of the past 5 years are stored in the credit report. Overdue records older than 5 years will not be reflected in the credit report. Therefore, overdue loans more than 5 years ago will not affect the loan application.

4. If it is overdue within 5 years, the lending institution will review the overdue situation. Usually, if the cumulative number of overdues exceeds 6 times, or if the overdue times are more than 3 consecutive times, the loan will be refused (different banks have different standards) . If the credit card is only overdue once and is not currently overdue, it usually has little impact on the loan.

According to the "Notice on Issuing the "Credit Card Business Management Measures"":

Article 33 Anyone who opens a basic deposit account at a financial institution within the territory of the People's Republic of China and the People's Republic of China Units can apply for unit cards. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There may be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35: All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

Reference for the above content: Baidu Encyclopedia-Credit Card Blacklist