1. If it is overdue for one to three days, it will go to the credit information system. But if there is a grace period, it will not be overdue within the grace period; However, in the case of strict bank regulations, one day late is overdue. Lending institutions with a grace period for repayment, as long as the repayment time for applying for loans does not exceed the grace period for repayment, will not be considered overdue and will not go to the credit information system for the time being. Legal basis: Article 577 of the Civil Code. If one party fails to perform its contractual obligations or fails to meet the contract obligations, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may require him to bear the liability for breach of contract before the time limit for performance expires.

2. If it is a bank loan, it is generally one day overdue. It should be noted that manpower has no way to interfere with the final credit investigation;

3. If it is an online loan or a drum loan, how long the credit is overdue depends on the regulations of the lending institution. How long the credit is overdue mainly depends on whether the lending institution has a grace period of 1-3 days when the user is overdue. If the user repays within the grace period given by the lending institution, and the repayment is successful, it is not considered that the user is overdue. If the lending institution does not give the user a grace period, it means that the user will conduct credit investigation one day overdue.

Overdue refers to the user's failure to repay the loan institution within a certain period of time as agreed in the contract. Generally speaking, if the user fails to repay the loan on time, it means to bear a certain overdue fee in accordance with the previously signed contract to deal with the impact of overdue on both sides of the loan. In actual economic activities, if the lender has overdue records, it is necessary to determine the loan amount according to the audit results of the bank. Generally speaking, lenders with overdue records will borrow from banks, and the corresponding conditions will be stricter.