Details are as follows:

1. One year overdue is not necessarily a black account: overdue repayment is not necessarily defined as a black account. Black households refer to the serious deterioration of personal credit records and the inability to obtain financial services such as normal credit. One year overdue may have a negative impact on personal credit history, but whether it will become a black account needs to consider other factors comprehensively.

2. The importance of personal credit records to the judgment of black households: Personal credit records are an important reference for evaluating a person's credit status. Banks and financial institutions will refer to personal credit records when deciding whether to provide loans or credit services. If the personal credit record shows that the repayment is overdue for more than one year, it may be judged as a black account.

3. Blacklist system determines black households: China has a basic database of financial credit information, and personal overdue repayment data will be uploaded to this system for financial institutions' reference. If it is blacklisted in this system, it will have a great impact on personal credit, making it difficult to obtain credit and other financial services. However, the judgment of the blacklist system is not only based on the length of overdue time, but also considers whether there are other breach of contract and other factors.

All in all, this does not necessarily mean that Bai Hua and Gus are one year overdue. Although overdue repayment will have a negative impact on personal credit record, whether it is judged as a black account needs to be comprehensively evaluated according to the overall credit status of the individual and other default behaviors. At the same time, we should pay attention to the importance of personal credit records for loans and credit services, and the influence of blacklist system on the judgment of black households.

Extended data:

Personal credit records are becoming more and more important in China. In addition to affecting financial services such as loans and credit card applications, personal credit records are also related to areas such as renting houses and recruiting. The China Municipal Government also advocates the establishment of an honest society, encourages the whole people to consciously abide by contracts, safeguard personal credit, and actively participate in credit restoration and other activities. Individuals should consciously perform their debts, plan their expenditures reasonably, and avoid the adverse effects of overdue repayment on their credit records. At the same time, if you encounter difficulties and can't repay on time, you should communicate with the creditor institutions in time to find a solution.

According to China's credit system and financial market regulations, the above is the answer to whether Bai Hua and Goose will become black households after one year overdue. According to the individual's specific situation and the judgment of relevant institutions, we can comprehensively evaluate the credit status after one year overdue.