The custody period for online loans and credit cards generally does not exceed 12 months. This is because:

1. Risk control: Shorter terms help reduce the risk of borrowers overdue or defaulting, making it easier for lending institutions to manage and recover funds.

2. Interest income: Loans with shorter maturities usually result in higher interest income because the borrower needs to repay the principal and interest in a shorter period of time.

3. Market demand: Most borrowers need funds in the short term to meet emergency needs, such as paying bills, purchasing necessary items, etc.

Summary: The escrow period for online loans and credit cards is usually no more than a few months, which helps reduce risks, increase interest returns, and meet borrowers’ emergency funding needs. If you apply for a loan after it is overdue, you should first check your comprehensive credit score on a third-party big data platform and obtain a credit report. The higher the comprehensive credit score, the greater the probability of success.

Extended information: According to relevant laws and regulatory requirements in China, online lending and credit card businesses are subject to strict supervision, including provisions on loan terms, interest rates, risk assessment, etc. Borrowers should carefully read and understand the relevant contract terms before applying for a loan, and reasonably choose the loan term and amount based on their personal financial status and repayment ability.