What does it mean to say that fortune telling has a bad record? _ Will someone always feel at ease if fortune telling is not good?

I'll give you a general access standard at present, which means that loans are not allowed as long as there is an overdue record of credit investigation.

At present, the bank's personal loan customer credit record access standards

The credit records of personal loan customers refer to the credit records of loan applicants obtained through the credit database of the People's Bank of China, the credit system of banks or the blacklist of banking associations. Customer credit records of personal loan business are divided into three categories: standard category, exception category and rejection category. The specific application criteria are as follows:

I. Standard customers

For customers who meet the requirements for applying for personal loan access, can provide the application materials required for personal loan business and have a normal credit record, "normal credit record" means that the credit record meets the following conditions at the same time:

(1) A single credit card is overdue for M 1≤6 times in the last 24 months, and there is no m1for more than 4 consecutive times (inclusive);

(2) A single loan is overdue for M 1≤6 times in the last 24 months, and there is no m1for more than 4 consecutive times (inclusive);

(3) A single non-centralized quasi-credit card (hereinafter referred to as non-centralized quasi-credit card) has no overdue record of more than M3 (inclusive) twice in the last 24 months.

Note: Non-centralized quasi-credit card means that some bank quasi-credit cards are not managed centrally, and their quasi-credit cards have no overdraft interest-free period and only a normal repayment period of 60 days at the longest.

Explanation of overdue M(X): "M(X)" means the term of credit card and loans overdue, and X is "1" which means that the applicant's credit card or loan will be repaid within 1-30 days after the last repayment date; "2" means to repay the applicant's credit card or loan within 365,438+0-60 days after the last repayment date of the last two installments; "3" refers to the repayment of the applicant's credit card or loan within 6 1-90 days after the last repayment date of the last three installments; By analogy, the maximum x is 7, which means the overdue is more than 180 days.

Second, excellent customers.

(1) In case of any of the following circumstances in the applicant's credit record, the account manager shall fill in the Personal Loan Exception Recommendation Form in detail, explain the situation, and the branch will approve the application for exceptional business initiation:

1, single credit card overdue in the last 24 months m1> 6 times and ≤ 12 times, or M2≥ 1 time and ≤2 times, or M 1≤6 times but M 1 appears four times or more continuously;

2. There was a loans overdue M 1> in the past 24 months. 6 times and ≤ 12 times, or M2≥ 1 time and ≤2 times, or M 1≤6 times but M 1 appears continuously for more than 4 times;

3. The M3 of a single non-centralized quasi-loan card is overdue for ≤4 times in the last 24 months.

(2) If the applicant's credit record is defective due to the annual credit card fee or the small overdraft of less than 100 yuan, the account manager shall fill in the Personal Loan Abnormal Situation Recommendation Form in detail, which shall be audited and signed by the branch, and provide the applicant's non-malicious overdraft situation and supporting materials. The specific criteria are as follows:

1. The credit report shows that a single credit card has been overdue by M2 (or M2+) for more than 2 times in the last 24 months, but it can be proved that the reason for the overdue is the annual fee, or the overdue amount is ≤ 100 yuan.

2. The credit report shows that a single quasi-credit card has been overdue by M3 (or M3+) for more than 4 times in the last 24 months, but it can prove that the reason for the overdue is the annual fee, or the overdue amount is ≤ 100 yuan.

(3) If the applicant's credit record is bad due to non-subjective reasons, the account manager shall fill in the Personal Loan Abnormal Situation Recommendation Form in detail to explain the situation, and the branch will approve the application for abnormal business initiation:

1. If the applicant's credit is bad due to an error in the credit report, it shall provide proof materials to prove that the credit report is wrong;

2. If the applicant has bad credit due to the theft of the credit card, it shall provide the certification materials approved by the bank;

3. The bank recognizes that other non-subjective reasons lead to the applicant's bad credit record.

(4) For loans secured in full by the purchased property (housing and commercial housing loans only), in the above two cases (1) and (2), the applicant's credit record access standard may be appropriately relaxed, but the business can only be started after the situation is fully explained and the three-level approval. The relaxed standard is that a single credit card or loans overdue does not exceed 15 times in the last 24 months, or does not exceed 3 times in M2, or does not exceed 1 time in M3; Quasi-credit card M3 shall not exceed 6 times;

(5) For all kinds of personal loans pledged by certificates of deposit, life insurance policies, physical gold and wealth management products, the applicant's credit record can only be used as a reference for loan approval.

Third, reject classes.

Applications that do not meet the requirements of "standard customers" or "special customers" will be rejected.