Detailed description:

1. Just because the personal credit report is overdue for 90 days does not mean that it must become a black account.

2. Black households refer to individuals with bad credit records who can't borrow normally, which is usually caused by serious overdue and repeated arrears.

3. To judge whether a person has become a black account, besides the overdue situation, other factors need to be considered, such as credit history and repayment ability.

4. If the credit report is overdue for 90 days only once, but other credit records are good, and there is normal repayment behavior in the follow-up, it may not be considered as a black account.

However, if the 90-day overdue occurs many times and the credit status is not remedied or improved in time, it may be regarded as a high-risk customer, and banks and financial institutions may be cautious about providing loans.

6. In short, the 90-day overdue personal credit report does not directly mean that it becomes a black account, and other credit factors should be considered to affect the final result.

Extended data:

The personal credit report is provided by the Credit Information Center of the People's Bank of China to record the personal credit status. Among them, overdue records are one of the important indicators in the credit report. Banks and financial institutions will refer to personal credit reports when approving loans, and many overdue situations may have a negative impact on credit ratings. In order to maintain a good credit record, it is suggested to pay off debts in time, avoid overdue behavior and maintain good repayment habits.

Summary:

Personal credit report overdue for 90 days will not directly lead to black accounts, and the final result depends on the comprehensive evaluation of personal credit status. In addition to the overdue situation, other credit factors will also have an impact on the evaluation results. In order to ensure a good credit record, we should actively abide by the loan agreement, repay on time, and maintain good credit behavior.