First, the black household guarantee company may not be able to make the next payment.
If you need money urgently and need a loan, you can find a guarantee company to guarantee it. The guarantee company will decide whether to agree to guarantee for you according to the nature of your blacklist. Secret bank won't lend. If any channel says that banks can lend money, it must be a liar. You should be careful.
Second, the loan is only related to your personal credit information.
When applying for a loan from a bank, the bank will review the borrower's personal credit information. Only when the borrower's personal credit is good and meets the conditions of the bank can he apply for the corresponding loan. When many people apply for a loan from a bank, it is because the credit information does not meet the requirements of the bank that the loan application is rejected. If the frequency of "hard inquiry" in the credit report is too high and there is no record of successful loan or credit card issuance, it means that the applicant's property status is not good, and 90% banks and financial institutions will refuse the loan.
Third, users can't have too many small loan records.
Small loans and online loans are the least favorite of banks. If there are many small loans and online loans in the credit report, and the amount is relatively small, it means that you are either poorly qualified or in a hurry to use money and need any loans. Such customers are generally risky and banks will directly refuse.
How to improve your loan success rate;
1. Maintain normal repayment and don't be overdue. Pay it back when it's overdue, not overdue. Cover it with a good repayment record in the future.
2. Don't apply for online loans and small loans at will, apply for a credit report, keep the credit report clean, try not to use online loans, and give priority to bank loans.
3. Control the credit card usage rate within a certain range. If you plan ahead with money, don't consider applying for a loan until your credit card runs out of money.
4. Don't have negative information and bad records. If it happens, it should be handled and solved in time to avoid significant impact in the future.