Huimin loan is overdue for 5 days, but the bank will provide the borrower with a certain grace period, usually 3 days. If the loan is not repaid within 3 days of the grace period, the credit will be overdue.

More than 5 days is considered overdue, and the banking system will upload the overdue time to the bank credit information system. At this time, the borrower's credit information will be affected, and it will take 5 years to eliminate the bad record.