1. As long as the borrower's repayment exceeds the repayment date, it is overdue, and it will be reported to the credit bureau if it is overdue.

2. Personal credit will be reduced if the postal savings loan is repaid only one day later, but the situation is not serious. Occasionally 1 time does not exceed 90 days, which has little effect. Even if only 1 time is overdue for more than 90 days, it will be regarded as malicious overdue by the bank and blacklisted.

3. The Postal Savings Bank has been in loans overdue for two months, and it is reasonable for the bank to sue for full compensation. There is a repayment agreement in the contract, and the bank can sue for rights protection if it fails to repay as agreed.