When evaluating loan applicants, banks will definitely focus on evaluating the applicant's personal credit in addition to repayment ability and loan purpose. However, banks have different standards for how many times they are overdue. Generally speaking, if the total number of overdue times reflected in the credit report does not exceed 6 or 3 times in the past year, the bank will think that there is no serious problem with the credit record. If the applicant does not have a loans overdue record, the number of overdue credit cards is only once or twice, and such a credit investigation will not have a serious impact.

About 1-3 days overdue will be credited. At present, banks have different degrees of grace period for credit card repayment. As long as the repayment is made within the grace period, the overdue record will not be reported to the central bank, nor will it cause overdue.