The cumulative number of overdue transactions refers to the total number of overdue transactions for a person or a business within a period of time. The maximum number of overdue items is the largest single number of overdue items that occurred to an individual or business during this period.

Detailed description:

1. Cumulative number of overdue actions: The cumulative number of overdue actions is calculated based on records within a certain period of time, including the accumulation of all overdue behaviors. For example, if a person was overdue once within three months and twice overdue within two months in the past year, then his cumulative number of overdue payments would be 3 times + 2 times = 5 times.

2. The highest number of overdues: The highest number of overdues indicates the maximum number of single overdues that occur to an individual or business within a certain period of time. Taking personal credit card repayment as an example, if it is overdue once in 3 months and twice in 2 months, the maximum number of overdue payments is 2 times.

3. Summary: The cumulative number of overdue behaviors refers to the total number of overdue behaviors within a certain period of time, and the maximum number of overdue behaviors refers to the maximum number of overdue behaviors during this period.

Extended information: The cumulative number of overdues and the highest number of overdues are indicators that financial institutions, credit agencies, etc. often refer to when assessing personal credit risks. These indicators can help determine the repayment ability and credit status of a person or a business. The higher the cumulative number of overdues, it means that individuals or businesses have more overdue behaviors and the credit risk is relatively high; while the highest number of overdues shows the maximum risk of a single overdue for an individual or business, which is also of great significance for assessing credit risk.

In short, the cumulative number of overdues and the highest number of overdues are indicators used to measure the overdue behavior of an individual or business within a certain period of time, and play an important role in assessing credit risk.