Credit information shows that your loan is of concern, which means that you have a record of overdue, and the overdue time is longer, such as more than 30 days. At this time, although you returned it later, it shows that you have a potential bad record. In this case, you can't cancel yourself or apply for cancellation. Your credit history will only be "overwhelmed" by time, that is, after you repay the loan normally, there will be no behavior that will cause the loan to enter a state of concern (or above) within five years.

In addition, according to the five-level classification of loans and the quality of loans, loans are divided into five types, namely: normal, concerned, secondary, suspicious and loss. Among them, normal and concern belong to "normal" loans, while subprime, doubtful and loss belong to non-performing loans. The core definition of classification can be queried by Baidu.

Not all loans overdue for 30 days are classified as concern, but according to the actual form of loans. For example, according to different guarantee methods, credit loans overdue for 30 days can be classified into subcategories, and pledged loans overdue for 30 days can be classified into normal categories.