It depends on the specific situation to judge how long it will be overdue.

1. Under normal circumstances, loans overdue will report his credit in about 1-3 days; ?

2. At present, all banks have different degrees of grace period for loan repayment. As long as the loan is repaid within the grace period, the overdue records will not be reported to the central bank, which will not cause overdue; ?

3. If the amount of overdue loans is relatively small, some platforms will not upload overdue records.

In general, in loans overdue, it takes five years for the records to be completely eliminated; If the party concerned forgets to repay the loan and it is overdue, then it needs to be repaid in full immediately when it is discovered. And immediately call the bank staff, stating that it is not malicious arrears. If it is short-term, then it is very likely that the overdue record will not be reported to the credit.

Article 16 of the Regulations on the Administration of Credit Information Industry

The retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted.

within the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it.