The current overdue times refer to the number of times that the loan or credit card account has not been repaid beyond the maturity date, while the current overdue total refers to the total amount that has not been repaid beyond the maturity date. According to the information provided, it shows that in the personal credit report, you have an account that is overdue at present, and the overdue amount is 107 yuan. In addition, the number of times that the minimum repayment amount of the credit card has not been paid in 12 months means that you have not paid off the minimum repayment amount of the credit card on time for four times in the past 12 months.

Detailed description:

1. The current overdue amount is 1, indicating that one of your accounts is overdue. Overdue repayment will have a negative impact on personal credit.

2. The current overdue amount is 107, which means that the overdue amount has reached 107 yuan. The higher the overdue amount, the greater the impact on credit evaluation.

3. The number of times that the minimum repayment amount of the credit card has not been paid in 12 months is 4 times, which means that in the past 12 months, you failed to pay the minimum repayment amount of the credit card on time for 4 times. To some extent, this shows that you did not manage and repay the credit card debt in time, which may also have a negative impact on credit evaluation.

Summary:

According to the information given, there are some bad information in your personal credit report. Specifically, you have an overdue account with an overdue amount of 107 yuan, and you failed to repay the minimum repayment amount of your credit card on time in the past 12 months. These situations may adversely affect your credit evaluation.

Extended data:

Maintaining a good personal credit record is very important for applying for financial services such as loans and credit cards. Overdue repayment will have a negative impact on personal credit evaluation, which may lead to a decline in credit rating, a decrease in credit limit or the inability to obtain more favorable interest rates. Therefore, it is very important to repay debts in time and avoid overdue. At the same time, checking your personal credit report regularly can help you evaluate your credit status and take necessary measures to improve your credit record.

Note: The above information is for reference only and cannot be used as legal advice. The information and influence of the specific credit report may vary according to individual circumstances. It is recommended to consult professional institutions or credit institutions for consultation and help according to personal circumstances.