It is difficult to open the non-malicious overdue certificate of Guangfa Bank, because for banks, you can only issue the non-malicious overdue certificate if you have evidence that your overdue is caused by the bank. If you can produce relevant evidence to prove that it was not intentional, you can also issue a non-malicious certificate. Proof to prove that you are not maliciously overdue includes: business trip certificate, or a named tourist ticket, a foreign accommodation list, a travel agency certificate, or a certificate to change your phone, as long as you can prove that you are not intentionally and subjectively overdue.