Generally speaking, the records in the overdue report of the credit report are true records, so the subject of the question needs to pay attention at this time, and must handle it in a timely manner, pay off overdue debts, overdue records, etc. It will take 5 years to eliminate, and the impact will be different depending on the degree of overdue. Especially if the overdue record reaches three and six in a row within 2 years, it will basically have no chance of bank credit business.

The overdue records on the credit report have a huge impact on our personal credit, so how should we understand the overdue records on the credit report?

The first thing we need to know is, After we successfully apply for a credit card or loan, the repayment status will be recorded on the credit report, and various symbols and numbers will be used to indicate the repayment status. Therefore, if you know what each symbol and number means, you can basically understand it. Whether there is an overdue record on the credit report, please note that the same symbols and numbers for loans and credit cards may have different meanings. The details are as follows:

1. Loan overdue records

If the loan details are If any number from 1 to 7 is displayed, it means there is an overdue record. Different numbers represent different overdue days. < /p>

“3”-indicates that the overdue days are more than two months, that is, 61-90 days;

“4”-indicates that the overdue days are more than 3 months, that is, 91-120 days;< /p>

“5”-indicates that the overdue days are more than 4 months, that is, 121-150 days;

“6”-indicates that the overdue days are more than 5 months, that is, 151-180 days;< /p>

“7”-means it is overdue for more than half a year, that is, more than 180 days;

In addition, if the letters D/Z/C are also displayed, it may also indicate that there is a bad record. And it is more serious than overdue.

2. Credit card overdue records

In the credit card details, any number from 1 to 7 is used to represent the number of overdue times, not the number of overdue days. If you see any number, All indicate that there are overdue records. It should be noted that a credit card is overdue, which refers to the failure to pay the minimum payment.

"1"-means overdue once;

"2"-means overdue twice in a row;

"3"-means overdue three times in a row

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“4”-means overdue for 4 consecutive times;

“5”-means overdue for 5 consecutive times;

“6”-means overdue for 6 consecutive times;< /p>

“7” - means overdue for more than 7 consecutive times.

Therefore, if there is an overdue record on the credit report, the first thing the customer should do is to quickly find a way to pay off the overdue debt. If the customer never pays off the overdue debt, the overdue record will remain on the credit report, which will have a negative impact on the customer's personal credit.

After paying off overdue debts, customers should also pay attention to developing good credit habits in the following days to avoid overdue situations again, which will lead to new overdue records on the credit report. And accumulating a good credit record can also gradually cover up old bad records. When applying for credit services at banks and other financial institutions, they mainly look at the customer's credit report in the past two years. Therefore, although overdue records must be retained for at least five years, as long as the customer maintains good personal credit in the future, it can be done There are still opportunities for credit cards and loans.