1. Currently overdue.
At present, overdue means that up to now, there are still one or more overdue payments in the name. This situation is definitely that any credit card and loan application will fail.
After all, we often say, "It's not difficult to borrow again after borrowing and returning." If someone borrows a sum of money from you and never pays it back, will you lend it to him again on this basis? Obviously not. And even if the repayment is overdue, it will take some time to apply for approval.
2. Credit investigation is even three times as tiring.
Overdue for three consecutive months or more than six times in two years.
Generally speaking, this happens in the process of credit reporting, and the chances of successful application are very small. After all, it may be a matter of probability to be overdue once or twice, but if it happens so many times, the big probability is an attitude problem.
It is best to apply for a loan after more than two years, and the success rate will be higher.
3. Too many credit inquiries.
Many people think that bad credit reporting refers to overdue or bad debts that seriously harm the interests of banks.
But in fact, not overdue is only the minimum standard for applying for loans, because credit investigation is not only a record of overdue behavior, but also a reference factor used by banks to evaluate personal comprehensive situation.
If you check the credit information many times in one year, it is what we often say "spent".
The bank will assume that the applicant is short of funds recently and is in a hurry to use the money, and may not pay back the money, which is very risky.
Therefore, if the number of inquiries exceeds 6 times in half a year, it is recommended not to apply blindly, because there is a high probability that it will not pass.
4. Total liabilities are too high
When applying for a loan, banks should not only check personal credit information, but also refer to the applicant's current economic situation, work income and liabilities to judge whether the applicant's income can balance the liabilities and whether he can repay more money.
It should also be noted that credit cards should not be overdrawn too much. If the long-term utilization rate exceeds 80%, it may be recognized by the bank as cash withdrawal, reduction or card closure, and may even be blacklisted by the bank.
5. There are too many online loans
Online loans and small loans have small amounts and high interest rates. If there are too many small loans and online loans, the bank will think that the applicant is extremely short of money in the near future, the repayment ability is insufficient, and the risk is too great, so it will not be approved.
In the above circumstances, it is not absolutely impossible to apply, but it is more likely that the application will be rejected under these circumstances. One application is to query records. With more and more inquiries, the chances of successful application are getting smaller and smaller.
Therefore, it is not recommended to apply for a loan or credit card at this time, so keep a good credit report first!