First, the overdue time. Generally speaking, overdue for more than 90 days is considered as serious overdue.
Second, the overdue amount. If the overdue amount exceeds a certain amount, such as more than 30% of the total loan, it will be regarded as serious overdue.
Third, the number of overdue. Frequent overdue behaviors will also be regarded as serious overdue, even if the amount of each overdue is small.
To sum up, the criteria for determining serious overdue credit information mainly involve factors such as overdue time, overdue amount and overdue times. Specifically, overdue for more than 90 days, overdue amount exceeding 30% of the total loan amount and frequent overdue behavior may lead to being regarded as serious overdue.
Extended data:
1. Credit investigation: refers to the credit status records of individuals or enterprises.
2. Overdue: refers to failure to repay debts or perform contractual obligations on time after the agreed repayment date.
3. Serious overdue: refers to overdue behavior with high degree of breach of contract and great influence on credit evaluation.
Supplementary information:
If the relevant conditions are not mentioned in the question, you can assume to add some information. For example, without mentioning the specific amount of overdue amount or the frequency of overdue times, it can be assumed that the overdue amount exceeds 30% of the total loan amount and the overdue times reach more than 3 times as serious overdue.