Loan software will be credited if it is overdue. Here are the details:

1. China's personal credit system is led and managed by the central bank, which records personal credit information, including data related to borrowing, lending, and repayment.

2. Loan software usually requires users to provide personal information and authorize access to personal credit reports, which allows lending companies to assess a borrower's creditworthiness.

3. If a payment is overdue on the loan software, the loan company has the right to report the overdue information to the central bank's personal credit report system.

4. The Central Bank's personal credit system is ****enjoyed by financial institutions, and other financial institutions can query the personal credit report to assess the credit risk of the borrower.

5. An overdue record will have a negative impact on a person's credit rating, which may lead to rejection of future loan or credit card applications, or higher interest rates.

6. Although some microfinance software may not have direct access to a person's credit system, they often have data ****sharing with partnering financial institutions, and overdue records may still be passed on to other financial institutions.

Summary: In China, overdue loan software is subject to credit reporting, which may negatively impact a person's credit and affect future loan or credit card applications. Therefore, borrowers should comply with the provisions of the loan contract and make repayments on time to maintain a good credit history.

Extended information:

Personal credit system is very important in China, and plays an important role in the financial industry and personal credit construction plays a key role. The central bank continues to improve the credit system and encourages financial institutions to provide accurate and comprehensive information in order to better assess risks and protect the rights and interests of both borrowers and lenders. At the same time, individuals can also check their credit reports to understand their credit status and correct any misinformation in a timely manner.