It will not affect your credit report.

Detailed instructions:

1. In the first paragraph, briefly answer the question, indicating that consecutive overdue payments but not exceeding 90 or 60 days will not affect your credit report.

2. Detailed explanation of the conclusion:

- Overdue credit cards have a certain impact on personal credit, but the degree of impact is related to the length and frequency of overdue credit. Under normal circumstances, only items that are overdue for more than 90 days will be recorded as "seriously overdue" in the credit report, which will have a greater impact on the credit score.

- For cases where the overdue period has been overdue for 5 consecutive months but not more than 90 days or 60 days, although there are overdue records, they will not directly have a greater impact on the personal credit report because they do not meet the serious overdue standards. negative impact.

- However, even if the credit is not overdue for more than 60 days, these overdue records may still show up on the credit report and be noticed by the financial institution. This may also have an impact on future approvals when applying for credit products, as financial institutions may use past repayment behavior as a reference.

3. Summary: Records that are overdue for 5 consecutive months but less than 90 days or 60 days will not directly have a significant negative impact on the credit report, but it may still be shown in the credit report and have a negative impact on the future. have a certain impact on credit applications.