The loan is overdue and the debt needs to be paid off in time. The earlier you realize it, the smaller the impact will be. In addition, whether it is a loan or a credit card, if it is overdue, it must be repaid in full according to the repayment amount of the current month. If it is a loan, it must be repaid according to the monthly repayment amount. If it is a credit card, it must be repaid at least according to the minimum repayment amount. If the amount is less than the specified amount, the credit will still be overdue.

1. Short-term overdue items are not all overdue items. Personal credit investigation reports will be shown immediately, and some overdue records will be reported to the Central Bank's Credit Investigation Center next month. Therefore, as soon as the issuance is overdue, after making up the arrears, contact the arrears bank quickly and try to solve the problem before reporting the credit investigation.

2. If the loan is overdue for more than 90 days, pay off the debt and repay the penalty interest. In addition, do not cancel the card immediately. It is urgent to maintain good credit habits. Bad records will be automatically eliminated after 5 years (except for home loans, because most loans only refer to credit records within 2 years).

3. Overdue due to non-malicious reasons, some overdue due to non-malicious reasons, especially due to non-personal subjective reasons. After the debt is paid off, the bank will actively contact bank staff to explain the reason for the overdue payment. If the overdue amount is small or the overdue period is short, the bank will issue a "non-malicious overdue" certificate.

4. Loan, there is a kind of loan called "loan", which means that someone else applies for a loan in their own name at the bank, and maliciously overdue the loan, resulting in a bad credit investigation of the victim. In order to resolve this type of bad credit investigation, the parties only need to apply for an objection to the local Credit Reference Center of the People's Bank of China, and a response will usually be provided within 15 working days.

5. Bank negligence. Some overdue payments are caused by bank negligence. For example, the annual fee for a credit card has been adjusted, but the cardholder has not been notified. Due to system upgrades, deductions could not be made at a certain point in time, resulting in overdue payments. If the bank is at fault, you can complain directly to the bank to eliminate the bad record.

6. If a small debt is not repaid, most people may repay it in round numbers, but it should be noted that the amount that should be repaid may still be zero. If the change is not repaid, it will also lead to overdue payments. Most banks will have a tolerance, that is, if the non-repayment part is less than 10 yuan (different banks have different regulations), the bank will not be considered overdue. If a bad credit inquiry is recorded, it can be negotiated with the bank to eliminate it.

After using a loan, an individual must repay it within the time limit, otherwise serious consequences will occur. However, if the overdue loan is due to the bank’s negligence, you can directly apply to the bank to eliminate the bad record. , but under normal circumstances, if it is personal factors that cause overdue payment, then timely repayment is required to eliminate the negative impact.