Specifically, after the online loan is overdue for one month, personal credit information is likely to be reported to the central bank's credit information system. This is because the central bank's credit information system is a platform for China's financial industry to enjoy credit information, which is mainly used to record the credit information and lending behavior of individuals and institutions. In the case of overdue online loans, according to the relevant provisions of the central bank's credit information system, the online lending platform is obliged to report overdue information to the system.

First of all, the central bank's credit information system is managed by the People's Bank of China, which records personal credit information, including but not limited to loan records and overdue situations. When an individual is overdue for one month in the online loan business, the online loan platform will report the corresponding information to the central bank's credit information system, which will affect the individual's credit record.

Secondly, once the overdue information is reported to the central bank's credit information system, it will be archived, which will have an impact on personal credit scores. When banks and financial institutions approve personal loans, credit cards and other businesses, they usually inquire about the central bank's credit report to understand the personal credit status. If the overdue information of personal online loan appears in the central bank's credit report, it may be considered as bad credit, thus facing great difficulties in the credit approval process.

In short, online loans may be reported to the central bank's credit information system after one month's overdue, which will affect personal credit records and credit scores. Therefore, in lending, we should abide by the contract, repay on time, and ensure a good credit record and credit score.

Extended data:

The central bank's credit information system is a platform for China's financial industry to enjoy credit information, which is managed by the People's Bank of China. The system records personal credit information and lending behavior, including loan records and overdue situations. When banks and financial institutions approve personal loans, credit cards and other businesses, they usually refer to the central bank's credit report to evaluate personal credit status. The report of overdue information will have an impact on personal credit score, which may lead to bad credit and affect the result of credit approval.

Note: The above information is for reference only, and the specific situation may be affected by the regulations and policies of credit information system management in various provinces and cities. It is recommended to verify the actual situation.