2. If it is really your previous arrears, and it is full, it means that the deduction has not been successful, and you need to ask for help to inform you of your situation and deal with it.
3. Credit stains caused by arrears are classified as follows:
1-30 days is the first level.
3 1-60 days is the second level.
6 1-90 days is level 3.
Generally speaking, level 3 or above will seriously threaten your personal credit business in the future, and level 1 has little effect.
But you need to contact the credit card center as soon as possible.