Legal analysis: Generally speaking, loans overdue's behavior in a short period of time will be regarded as non-malicious overdue by the lending institution. As long as the lender pays off all the debts immediately, the lender will not be held accountable and will not submit a credit report. Different lending institutions have different loans overdue time. For example, in banks, repayment of debts within three days in loans overdue will be regarded as non-malicious overdue by lenders, but it will take longer for small loan companies. In order to recover the arrears, overdue behavior is not reported for one week.

For long-term overdue behavior, lending institutions will classify loans overdue as malicious overdue and loans as "bad debts". At this time, the lending institution will take various ways such as door-to-door collection and company collection to collect the arrears, and even take the debtor to court. Generally, overdue time exceeding 90 days will be regarded as malicious, and legal measures will be taken if it exceeds 120 days.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.