One day, loans overdue will not receive credit immediately, which will reduce the credit line and shorten the loan repayment cycle. The overdue time is long and the overdue amount is large, and the lending institutions do not pay attention to collection, which has a great impact. If the borrower has reasonable reasons for overdue and pays off the arrears, the lending institution will be tolerant and the impact will not be great. If the overdue time is too long, it will be reported to the credit information system, which will affect the credit record. Borrowers should communicate with lending institutions as soon as possible to pay off their debts as soon as possible to avoid adverse effects on their credit records.