As for whether overdue bank loans will be subject to credit reporting, usually, short-term overdue behavior will not directly lead to being recorded on the credit report. When a loan becomes overdue, the bank will first take collection measures. Only when the debt is not repaid in time and goes through legal procedures, such as litigation judgment and enforcement stages, will the creditor be able to put the debtor on a credit blacklist. According to Article 4 of the "Regulations on the Administration of the Credit Reporting Industry", the People's Bank of China, as the regulatory agency of the credit reporting industry, is responsible for supervising and managing the credit reporting market. If the debtor meets the legal conditions, the creditor can apply through the court to enter his credit status into the credit reporting system to safeguard his legitimate rights and interests.

Therefore, whether a credit report will be submitted depends on the severity of the overdue payment and the progress of the legal process. Generally speaking, as long as you communicate with the bank in a timely manner, actively handle the debt, and avoid entering legal proceedings, it will usually not have a significant impact on your credit report. At the same time, maintaining a good credit record is something everyone should pay attention to in order to maintain good financial reputation.