because there are overdue records. Everbright Credit Card shows that the qualification of installment has changed because there are overdue records, which leads to the change of the user's qualification and makes the card unable to be used normally. Everbright Credit Card is a dual-currency credit card. It can be used by special merchants who accept VISA card business in more than 24 countries and regions around the world, and withdraw local currency from more than 84 thousand ATMs with VISA logo around the world.