If your credit card is overdue for 2 months, the bank will contact you directly for collection, and generally will not inform the village committee. The bank said it was a door-to-door payment, and it should be to meet you at your home and negotiate with you about repayment. If you can't contact yourself all the time, it is possible to contact you through your unit or the village Committee or neighborhood Committee.

if you are overdue for 2 installments and not more than 3 installments, as long as it is non-malicious, the general bank can still negotiate. I suggest you take the initiative to contact the bank as soon as possible. If you have the money to pay back the money, you can't negotiate a feasible repayment plan with the bank. Credit history is still precious to you personally. It is related to whether your car loan and mortgage application can be approved in the future. It is difficult for people with overdue records to get approval, and the overdue records will be kept in your credit report for at least 5 years.