How long will CreditEase become a bad debt when it is overdue?

Generally speaking, it takes about three months to a year. CreditEase loans overdue will be blacklisted for recording personal bad credit information on the 90th day; If it is overdue for 60 days, it will only be recorded in personal credit information, not in bad credit; Less than 60 days, not credited to personal credit.

Note: Bad credit records are recorded in personal credit information; It usually takes five years to be eliminated; Some serious cases can be postponed to ten years before they can be cleared; Some serious and bad cases will enter the permanent blacklist.

The so-called "bad debts" refer to those repayable loans that cannot be recovered or have little possibility of recovery. Therefore, after the online loan is overdue, the customer will not be treated as a bad debt by the platform just after it is overdue. Generally, the platform will collect money first, and the collection period of most loan platforms is about three to six months.

Therefore, if the platform fails to repay customers many times after the deadline, the platform can't even contact people, and it is likely to become bad debts after more than half a year. After the loan becomes bad, it is not unnecessary. Customers should find ways to pay off as soon as possible. After all, once bad debts are recorded in big data or credit information, it is difficult to eliminate them in a short time, which will seriously affect customers' personal credit.

If the customer has been repaying the loan after the deadline, even if it is not paid off soon, as long as the platform can contact people and know that the money is likely to be recovered, the loan arrears will not be treated as bad debts. However, customers had better not delay for too long. If they can't pay off in a short time, it is recommended to contact the platform to negotiate an extension.

After the deadline, the processing method is usually:

1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay by installments.

2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement.

3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

5. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.