Detailed description:

1. According to China's credit system, loans overdue for more than 30 days will be recorded in the credit information system.

2. As a major financial institution, Postal Savings Bank is also applicable to overdue loans.

3. Overdue records will be submitted to the basic database of personal credit information of China People's Bank, which will have an impact on personal credit rating.

4. In the personal credit report, loans overdue records may lead to a decline in credit rating, and the longer it lasts, the greater the impact.

5. After the credit investigation, other financial institutions will consider the overdue records when conducting personal credit evaluation, and may refuse or restrict the provision of financial services such as loans and credit cards to the individual.

6. loans overdue's influence on personal credit may last for several years, so it should be repaid in time to avoid the formation of bad credit records.

Summary:

If you spend more than 30 days in loans overdue, you will go to the credit information system, which will have an impact on your personal credit rating. The longer the overdue record lasts, the greater the impact. Other financial institutions will consider overdue records when evaluating personal credit, which may limit the provision of financial services. Therefore, timely repayment is an important way to maintain personal credit.

Extended data: