Legal analysis: Generally speaking, the overdue car loan will be very serious after one month, which will not only affect personal credit records, but also generate overdue fees and interest. According to the provisions of China's credit information system, loans or credit cards overdue for more than three times or more than 90 days will produce bad credit records, which will be automatically controlled by the system.

So after you apply for a bank loan, you must repay it on time and don't take any chances. After all, as a formal financial institution, if you apply for loans overdue, the consequences will be very serious, and it is basically impossible to borrow any more.

Legal Basis: Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and punish him with credit according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.