1. If it is overdue, the loan must be paid off; If the credit card is overdue, don't rush to cancel the card after paying off the arrears, but continue to use the card and repay it on time every period, resulting in a good credit record.

2. If you have a blank credit record and want to have a good credit record, you can try to apply for a short-term low-amount loan, such as a loan of 10,000 yuan, pay it off in three months, and then repay it in full on schedule. When the loan is paid off, the credit record will improve.

3. Specifically, the "overdue credit" in the report is mainly checked by banks, and there is no uniform standard for banks. If the overdue times are many, the time is long and the amount is large, it is easy to be "suppressed" by lending institutions.

In fact, if you want to have a good credit, you must develop good consumption habits in your daily life and check your personal credit report regularly to avoid affecting your personal credit due to overdue.