Loans overdue will have a negative impact on personal credit records, and the specific collection time depends on different situations. Generally speaking, for loans overdue for more than 30 days, banks or financial institutions will report overdue information to credit reporting agencies, which will affect personal credit records. However, different banks and financial institutions may report overdue information at different times.

It should be noted that even if the overdue period is less than 30 days, banks or financial institutions may report overdue information on the first day after the overdue period. Therefore, it is suggested that loans overdue should be avoided as far as possible under any circumstances, so as not to adversely affect personal credit records.

In short, loans overdue for more than 30 days will have a negative impact on personal credit records and may be reported to credit reporting agencies. In order to maintain a good credit record, it is suggested to repay in time to avoid loans overdue.

To avoid becoming a blacklist of online loans, we should not only pay attention to overdue repayment, but also pay attention to avoiding long-term borrowing. You can check your long-term borrowing through "Zhihu Check". Long-term loans mainly refer to recent applications in lending institutions. It is recommended to stop all lending-related operations within three months and give yourself a chance to breathe. In this way, after three months, the natural risk index will be reduced and the blacklist will be eliminated.