According to the information provided, one month has been overdue in the past five years, but no overdue period has occurred for more than 90 days.

Details:

1. In the past five years, the loan or credit card account has become overdue, but only once has the expiration date passed. This means paying your bills on time and maintaining a good credit history the rest of the time.

2. Even if there is a brief overdue period, the overdue period does not exceed 90 days. This indicates that the borrower was able to promptly correct delinquencies and avoid long-term delinquency.

3. In this case, the borrower's credit rating may be affected to a certain extent, but it is relatively small and will not have a large negative impact.

4. Without providing detailed information, we can infer that the borrowers have good repayment capabilities and appropriate financial management capabilities, as they are able to comply with their debt repayment obligations most of the time .

Summary:

In the past five years, borrowers have been delinquent in only one month, but none have been more than 90 days past due. This shows that the borrower is generally able to repay their debts on time and has appropriate financial management skills.

Extended information:

Late repayment refers to the failure to repay the debt according to the time stipulated in the loan or credit card contract. Overdue situations will have an impact on an individual's credit history, which may result in a decline in credit rating and adversely affect future borrowing applications. However, if the overdue period is short and does not exceed 90 days, the impact on the credit rating will be relatively small. Maintaining a good credit record and promptly correcting overdue situations is critical to maintaining a good credit rating.

Please note: