The number of overdue months means how long it has been overdue, and the maximum number of overdue months means how long it can be overdue. If it exceeds the specified time, the other party may file a lawsuit with the court. Sue you.

Overdue records on the credit report will affect our personal credit. We may be rejected when applying for credit cards and loans. If you don’t know whether there are overdue records on your credit report, just print out a credit report. I can see it.

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, so we know what each symbol and number represents. Meaning, you can basically understand whether there are any overdue records on the credit report. Please note that the same symbols and numbers for loans and credit cards may have different meanings.

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

“1”-Indicates that the overdue days are within 30 days, that is, 1~30 days;

“2”-Indicates that the overdue days are more than one month, that is, 31-60 days; “ 3”-means that the overdue days are more than two months, that is, 61-90 days; “4”-means that the overdue days are more than 3 months, that is, 91-120 days; “5”-means 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; "7" - indicates that the overdue days are more than half a year, that is, more than 180 days;

The month in which the personal credit report loan is overdue The number refers to how many months the user is overdue during the loan period. Personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status. It is a basic product of the basic database of personal credit information. In order to have a clear structure, the credit report content is divided into multiple parts according to different information categories, each part is a paragraph, and each paragraph is further divided into multiple sub-paragraphs. A personal credit report consists of the credit report name and credit report content. The credit report content includes the full text of the credit report header.

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The "Regulations on the Administration of the Credit Reporting Industry" stipulates that the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years years, should be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. If you apply for a loan/credit card business with China Merchants Bank, our bank will not make any negative comments on your usage records. We will only provide you with truthful feedback on your historical usage records without any subjective judgment. If a bad credit report has already occurred and there is no doubt about the record, the only thing you can do is ensure good repayment habits in the future.