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Core Viewpoint - The article discusses the implementation of a one-time credit repair policy by the People's Bank of China aimed at helping individuals restore their credit efficiently and conveniently. Group 1: Repair Conditions - The time frame for eligible overdue debts is from January 1, 2020, to December 31, 2025 [1][5] - The maximum overdue amount per single record is capped at 10,000 yuan [6] - Individuals must fully repay overdue debts (including principal, interest, and penalties) by March 31, 2026, for the policy to apply [6] Group 2: Repair Rules and Timeline - The policy operates on an "automatic benefit" mechanism, meaning individuals do not need to submit applications; the People's Bank of China Credit Center will handle the technical processing [7] - If individuals repay overdue debts by November 30, 2025, the related overdue information will not be displayed starting January 1, 2026 [7] - For repayments made between December 1, 2025, and March 31, 2026, the overdue information will not be displayed by the end of the following month [7] Group 3: Important Notes - Any new overdue debts occurring after January 1, 2026, will be recorded according to the "Credit Business Management Regulations" and will not be eligible for this policy [8] - Individuals are advised to verify and clear eligible overdue debts promptly to avoid missing the policy deadline, which could impact their credit records [9]