2. Credit card arrears, with overdue records. Whether you can get a loan depends on the bank. The bank mainly examines your economic strength and repayment ability, and will comprehensively consider whether to lend or not and the loan amount according to your personal situation.
3. At present, the bank does not stipulate how many times to refuse the loan, mainly depending on the borrower's income, work, overdue situation and other comprehensive conditions.
Car loans are usually rejected for the following reasons:
1, poor credit information;
2. Insufficient repayment ability;
3. High debt ratio;
4. False information and lack of information;
Extended data:
Provisions on prosecuting credit card arrears
1. Article 196 of China's Criminal Law stipulates that if the cardholder overdraws beyond the prescribed time limit and refuses to return it after being urged by the issuing bank, the cardholder who uses a forged credit card, etc. , the amount is relatively large, can be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and impose a fine of not less than 20 thousand yuan but not more than 200 thousand yuan.
If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.
2. According to the Supreme People's Procuratorate and the Ministry of Public Security's "Standards for filing and prosecuting criminal cases under the jurisdiction of public security organs (II)", if the amount of malicious overdraft credit card is more than 10,000 yuan, it shall be filed for prosecution.
3. "Malicious overdraft" refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than three months after being reminded twice by the issuing bank.
Malicious overdraft, the amount of which is more than 1 10,000 yuan but less than110,000 yuan, has been fully repaid before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
References:
Laiwu municipal government-criminal law