1, the current overdue period will not affect your personal credit record;

2. Accumulated overdue for more than 5 times (inclusive), personal credit declines. The direct impact is that you will not be given a quota within two years;

3. If it is overdue for more than 3 times (inclusive) in a row, personal credit will decline, and the bank will start to ask you for collection;

4. If it is overdue for more than 5 times in a row, personal credit will drop rapidly, and the bank will start calling your family, friends and company;

5. If the arrears exceed 5,000 yuan and are overdue continuously, the bank may file a civil lawsuit against your personal performance;

6. If the arrears exceed 654.38+00000, the bank can appeal to the court and pursue your criminal responsibility (if you want to go to jail).