Answer:
bad payment history
Explanation:
Having a good credit history is one way of accessing loans from banks easily and also a lower interest rate, this is because the bank won't feel that at risk when granting you the loan facility. but with a very Bad payment history the Banks tend to weigh in the risks of you not paying up the loan on time or even completely so they would want to mitigate their losses by charging you a higher interest rate as compared to when you have a good payment history and also indirectly discouraging you from taking out the loan
