Overdue occurs. If the credit card owing housing is overdue, but the repayment period is reasonably delayed, it will not be regarded as a breach of contract for the time being and will not be included in the list of defaulting customers. Credit card, also called debit card, is a kind of card issued by commercial banks and credit card companies. Its main function is to overdraw consumption. The bank will give the credit card a credit line first, and users can use it first and then repay it.