Legal Analysis: Returning in time after loans overdue generally does not affect being a soldier. However, if the online loan is not repaid in arrears, if the company prosecutes its individual, it will affect the political review of conscription. If malicious overdraft constitutes a crime of credit card fraud, it is even more impossible to be a soldier if you are investigated for criminal responsibility. Malicious overdraft of credit card 1 10,000 yuan, and the cardholder fails to return it for more than 3 months for the purpose of illegal possession, shall be investigated for criminal responsibility for credit card fraud.

Legal basis: Article 55 of the Constitution of People's Republic of China (PRC). It is the sacred duty of China people and every citizen to defend the motherland and resist aggression. It is the glorious duty of the people and citizens of China to perform military service and join the militia in accordance with the law.