Detailed explanations are as follows:

1. Three days late will create a late record, which will have a negative impact on your credit.

2. Late records will be reported to credit bureaus, such as the People's Bank of China Credit Center.

3. The credit bureau will include the overdue record in the personal credit report as negative information.

4. The existence of overdue records will lower an individual's credit score and the credit rating will drop.

5. A drop in credit score may lead to rejection or a lower credit limit when applying for credit products such as loans and credit cards in the future.

6. A drop in credit score may also affect credit reviews in areas such as rentals and employment.

7. Overdue records are generally kept on credit reports for a period of time, depending on the borrower's institution and the credit bureau's rules.

8. The overdue record will be marked as paid when the outstanding amount is paid off, but the effect may still last for some time.

9. Credit bureaus may have different scoring systems and specific practices, so the extent of the impact may vary.

In summary, being three days late on an online business loan can have a negative impact on one's credit. In order to maintain a good credit record, it is recommended to make payments on time to avoid overdue situations.

Remarks: The above extended information is for reference only, and the actual situation may vary depending on the region and organization. Please refer to the specific regulations and operations of the borrowing institutions and credit bureaus.