Legal analysis:Chanting overdue. If it is maliciously overdue, in line with the conditions and time specified in the agreement between the two parties, it will be immediately reported to the credit bureau. Generally speaking, a loan that is 1 to 90 days overdue will be a risky asset for banks to focus on; 91-120 days overdue falls into the secondary category.

Legal basis:

Article 92 of the "Supervision and Administration of Credit Card Business of Commercial Banks" commercial banks should implement classification and management of credit card risk assets, the classification criteria are as follows:

(1) Normal category: the cardholder can be in accordance with pre-agreed repayment rules, in the due date of repayment before the date of repayment (including) repay the amount due in full.

(2) Concerned category: the cardholder fails to repay the amount due in full on the due date in accordance with the pre-agreed repayment rules, with the number of overdue days ranging from 1 to 90 days (inclusive).

(3) Sub-category: cardholders failing to repay the amount due in full on the due date in accordance with the pre-agreed repayment rules, with the number of overdue days ranging from 91-120 days (inclusive).

(4) Doubtful category: the cardholder fails to repay the amount due in full on the due date in accordance with the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).

(5) Loss Category:The cardholder fails to repay the amount due in full on the due date in accordance with the pre-agreed repayment rules, and the number of days overdue is more than 180 days.

Flowers can freeze. So when your flower garden is overdue, remember to hurry up and pay off what you owe. Although it is an uncertain answer whether the flower garden is overdue or not, it is certain that when the flower garden is overdue, it will incur penalty interest according to the rules, and it will affect the individual's big data in Alipay. If you want to know if your chanting is overdue for credit, then check if your chanting is connected to the credit system. If you see the authorization to inquire and submit personal credit information in the relevant contract and product description of the flower chanting, it means that your flower chanting has received the credit collection. After accessing the credit collection, the Chanting data will be consolidated and uploaded once a month. Remember not to make late payments. /e4dde71190ef76c696f786b98f16fdfaaf51677e?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85% 2Fformat%2Cf_auto