Ask the great god for guidance. The credit report says it's overdue twice. I wonder if I am blacklisted.

1-3 times is ok, and it will not affect your loan, but please make sure that it will not be overdue again. If it is overdue at present, all penalty interest and liquidated damages shall be paid immediately.

Generally speaking, there are two kinds of overdue three times. The first one is overdue every other month. The credit report reflects that, 1, n, 1, n, 1, indicating that your single institution has not paid back the money three times in five months. There is also a continuous overdue, namely 1, 2, 3. This is called continuous overdue, that is, your single credit card of a single institution has not paid back the money for three consecutive months, and even the minimum repayment amount has not changed.

Expand information because we can see many problems through the credit report, such as whether the repayment is normal, whether the debt ratio is high or not, the number and use of credit cards, the recent address change and company change, etc., which is why we repeatedly emphasize the importance of personal credit reporting.

It is normal to have overdue records, mainly by looking at your overdue times and habits, and then analyzing your financial situation at that time. Occasionally overdue can be considered as forgetting to repay, but regular overdue is not forgetting to repay, but the funds are often unstable, which is also one of the risks.

Baidu Encyclopedia-Zheng Xin