Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times in two years, or fails to repay the loan for six times in total, and will not be able to obtain the loan.
It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months. And accumulated six times, if overdue once, also. The overdue happened again, and it happened six times.
If the cardholder forgets to repay, apply for timely repayment. Timely repayment means that the cardholder repays within three days after the latest repayment date, which can be counted as timely repayment, and will not be recorded in the personal credit record after the deadline.