If the overdue loan record on the credit report shows a red 1, it means it is overdue; if the loan is not repaid by the repayment date, it is overdue, and it will be recorded in the credit report; overdue bad records will be recorded in the personal credit report In the record, if you do not repay the loan, you will be blacklisted, which will affect your personal credit;

How to deal with poor credit and the consequences;

① Ensure that the debt is paid off in a timely manner, And pay all fees;

② After five years, the bad records can be automatically cleared, and the loan business can be processed normally;

③ If the repayment is not made, the bank can trace it back once after five years. , the non-recording period will be retroactively increased to five years;

④ If the circumstances are serious, it can be retroactively stored permanently;

⑤ During the period of bad credit reporting, train tickets and air tickets are not allowed to be purchased for travel;

⑥ During the period of bad credit reporting, you are not allowed to take out loans or use credit cards;

⑦ During the period of poor credit reporting, traveling abroad is subject to certain restrictions.