It depends on the overdue time. Have the following suggestions:

1. Mobile phones should apply for installment repayment tolerance. Timely repayment means that the cardholder repays within three days after the latest repayment date, which can be counted as timely repayment, and will not be recorded in the personal credit record after the deadline.

2. If I repay the loan after the allowed time, I should immediately submit the "non-malicious overdue certificate" to apply for cancellation of the overdue record, and the use of the card will not be affected afterwards.

You can also consult the bank, according to the specific credit record, suggest timely repayment, and maintain a good personal credit record.