How long it will take for an overdue online loan to be placed on the credit blacklist depends on the following factors:

1. Online loan platform regulations: Different online loan platforms may have different policies and operating procedures. Generally speaking, after overdue repayment, the platform will report the overdue situation to the credit bureau. The specific time period may be between 30 days and 90 days.

2. Repayment default: If the borrower does not take active actions to solve the overdue problem and fails to repay the debt for a long time, it is more likely to be included in the credit blacklist. This usually occurs when a delinquency lasts for 90 days or more.

3. Credit bureau policies: Each credit bureau has different time requirements for recording overdue information. Generally speaking, overdue records will be retained in credit reports for a period of time, such as 2 years or 5 years.

Summary:

How long it takes for an online loan to be overdue and placed on the credit blacklist depends on the policies of the online loan platform, repayment defaults, and the regulations of the credit reporting agency. Generally speaking, an overdue payment may be reported to a credit reporting agency after 30 to 90 days, while an overdue payment lasting more than 90 days is more likely to result in entry into the credit reporting blacklist.

Extended information:

The credit blacklist refers to personal bad credit records being recorded in the credit system. These records may have serious consequences for personal loans, credit cards and other credit activities. Influence. Late repayments may result in a decline in one's credit rating, affecting future borrowing and credit activity. Timely repayment of debt is one of the important factors in maintaining a good credit record.