Subject to availability.

1. Overdue within one month. This is divided into two situations. One is that if there is a grace period, the debt is paid off immediately 1 to 3 days after the repayment date, which is regarded as normal repayment and is not considered overdue; the other is that there is no grace period. Or overdue loans within the 4th to 30th day after the grace period may not be reported to the central bank for credit reporting, but overdue penalties may still be incurred. Repaying the loan as soon as possible is the correct solution.

2. Overdue for more than one month. This situation has been reported to the central bank for credit reporting, and bad credit has occurred. However, do not break the bank in this situation. You should repay the money as soon as possible, continue to maintain good credit habits, and wait for the personal credit record to be automatically restored, usually from the date of repayment. It will take 5 years to recover, so be sure not to overdue it again.