2. Detailed description:

A. Overdue repayment will be recorded in the personal credit report by financial institutions, which may lower the credit score. Even if the amount is not large, you will see overdue records in the credit report.

B. Overdue repayment shows personal bad behavior in debt management, which may lead financial institutions to have reservations about individuals when considering providing loans or credit cards in the future.

C overdue records are usually kept in the credit report for a period of time, and long-term existence may have a greater negative impact on credit evaluation.

3. Summary: If the overdue repayment exceeds 10 days and the amount is not greater than that of 500 yuan, personal credit will be affected to some extent. Overdue records may lead to a lower credit score and remain in the personal credit report for a period of time. Therefore, timely repayment of arrears is the best way to eliminate overdue records and protect personal credit.

4. Extended information:

According to China's personal credit system, credit records are jointly formed by various financial institutions and partners, including banks, credit card companies and lending institutions. The overdue repayment will be recorded in the credit report for financial institutions to inquire and evaluate when deciding to provide loans, credit cards or other financial services. Therefore, maintaining good debt management habits is one of the important factors to protect personal credit. Timely repayment of arrears and compliance with the agreed repayment date are one of the key measures to ensure that personal credit is not damaged.