Generally, the number of overdue times reaches 8 or the number of overdue times reaches 2 within 90 consecutive days, which will be blacklisted.

"Time-tolerant" overdue means that if the cardholder fails to repay the loan in time on the due date, there will be a grace period, during which there will be no penalty interest and no uploading to the credit information system.

However, if the money is not paid back after the grace period, it is likely to be uploaded to the personal credit information system. The grace period of each bank is also different. Most banks have three days (this is a natural day, not a working day).

The details are as follows, for reference only, subject to the bank official website: Most banks give a grace period of 2-3 days for overdue credit information, but ICBC does not have a grace period of one day.

If the borrower is not maliciously overdue and has sufficient reasons, it is necessary to bring relevant certificates to the borrowing bank to explain the situation. When the borrower pays off the overdue loan, it should not have much influence to repay the loan on time and maintain a good credit record.

If it appears, for three consecutive days (overdue for three consecutive months); Six overdue times is a more serious situation. If this happens, banks usually classify users as problem users, raise interest rates or reduce quotas, and even refuse loans in serious cases.

In the bank's view, whether it is "three companies" or "six companies", it is a serious problem. People in these two situations will be classified as "problem customers", that is, they will enter the "blacklist", which will have a serious impact on the future loan business.

For example, if a borrower applies for a loan from a bank, the bank will check his personal credit report for credit information. If the borrower has a record of "three consecutive years and six consecutive years", the bank will be particularly cautious when approving the loan, and will ask the borrower to provide the previous repayment schedule to understand the details of overdue repayment, such as overdue amount. , and take measures such as raising the loan interest rate, reducing the loan amount and shortening the loan period as appropriate. The loan is likely to be rejected.

In contrast, three months overdue repayment is more serious than six overdue repayments. This is because the repayment has been overdue for three consecutive months, and it is impossible to get rid of the suspicion of "malicious" arrears. The accumulated six overdue repayments may be caused by "negligence". However, it depends on the specific assessment of banks and financial institutions.