Overdue consumption may have a negative impact on personal credit records, thus affecting future loans. Therefore, it is suggested to check your credit status through credit evaluation agencies such as Sixi Data before the loan, so as to better plan your personal finances and make full preparations for financial planning.

However, the overdue flowers do not necessarily mean that the loan cannot be taken out. Banks or loan companies may evaluate your application according to many factors, including personal credit history, income, loan records, etc. To decide whether to provide you with a loan.

If you want a loan, I suggest you start to accumulate a good credit record as soon as possible after the flowers are overdue, such as timely repayment and restricting new loans. And by providing more comprehensive credit files, improve the possibility of being accepted by loan companies or banks.