Detailed description:
1. In the past five years, the loan or credit card account was overdue, but only once did it exceed the maturity date. This means paying back on time and maintaining a good credit record at other times.
2. Even if there is a short overdue, the overdue period shall not exceed 90 days. This shows that the borrower can correct the overdue in time and avoid long-term debt default.
3. In this case, the borrower's credit rating may be affected to a certain extent, but it is relatively small and will not have a great negative impact.
Without providing detailed information, we can infer that borrowers have good repayment ability and appropriate financial management ability, because they can abide by their debt repayment obligations in most cases.
Summary:
In the past five years, the borrower was only one month overdue, but not more than 90 days. This shows that borrowers can usually repay their debts on time and have appropriate financial management capabilities.
Extended data:
Overdue repayment refers to the failure to repay the debt within the time stipulated in the loan or credit card contract. The overdue situation will have an impact on personal credit records, which may lead to a decline in credit rating and adversely affect future loan applications. However, if the overdue time is short and does not exceed 90 days, the impact on the credit rating is relatively small. It is very important to maintain a good credit record and correct the overdue situation in time for maintaining a good credit rating.
Please note: