1. Conclusion: According to the information you provided, having two credit cards with a total of 13 overdue records within five years may have a certain negative impact on the car loan application.
2. Detailed description:
A. Credit card overdue record: I have held two credit cards overdue for five years 13 times, but I don't remember the details. The overdue record shows that you failed to repay the credit card debt on time, which reflects your past repayment performance. Banks usually regard overdue records as an important reference for evaluating customers' credit risk.
B. China Construction Bank's car loan application: You plan to apply for a car loan from China Construction Bank, with a loan amount of 57,000 yuan, divided into three years. However, the approval of car loan application depends on many factors, including but not limited to credit history, income status, debt burden and so on. Because your credit card has an overdue record, it may have a negative effect on the bank's credit evaluation.
3. Summary: Holding two credit cards with overdue records of 13 within five years may have a negative impact on your car loan application. It is suggested that credit records should be actively improved before application, such as timely repayment and communication with banks for more specific loan requirements.
4. Extended information:
You can learn more about the importance of personal credit records and how to improve credit scores and credit records. In addition, consulting bank staff will help to obtain more accurate guidance on loan application.