N in the credit report means normal repayment, and C means settled. If it is overdue, use a number to represent the number of overdue days, where "1" means 1-30 days overdue; "2" means 31-60 days overdue; "3" means 61-90 days overdue; "4" means 91-120 days overdue ; "5" is overdue for 121-150 days; "6" is overdue for 151-180 days; "7" is overdue for more than 180 days.

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1. Credit report is divided into personal credit report and corporate credit report. It is a record of personal credit information issued by the Credit Report Center of the People's Bank of China and is used for inquiry. Social credit for individuals or businesses. Credit reports are divided into three categories, namely basic personal information, credit transaction information, and other information. In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved. The new version of the credit report of the central bank's personal credit reporting system has been launched online, and the "validity period" of overdue records has been officially set to five years. The new version of the credit report sets the starting point for overdue information as October 2009, and previous bad repayment records have been deleted.

Since the relevant departments have not clearly stipulated the time limit for negative records, in the old version of the personal credit report, overdue records will be displayed no matter how many years ago they were. The new version of the credit report only displays consumers’ overdue records within the last five years.

2. In the early days of the establishment of China’s credit system, many people did not pay enough attention to personal credit and therefore overdue credit cards or loans. Since banks and workplaces will refer to these credit records, the long-term retention of negative information has a serious impact on the lives and work of these people. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have been overdue and have paid off their debts an opportunity to make corrections and re-establish and accumulate their personal credit records. It is reported that if there is negative information on a personal credit report, residents may be affected when applying for credit cards and mortgage loans.

3. What behaviors can easily cause stain on personal credit? In addition to the most common credit card overdrafts and late repayments of personal mortgage loans, some behaviors such as late payment of living expenses and guarantees may be included in personal credit reports. The report shows that if the person has ever had tax arrears, civil judgments, enforcement, administrative penalties, or telecommunications arrears, etc., the report may be displayed. This means that in the future, if you are in arrears with water, electricity, gas or landline bills, or if you provide a guarantee for a third party, and the third party fails to repay the loan on time, it will also be included in the bad credit record.