Overdue credit information will be affected and will be rejected by banks. Overdue credit cards are classified as dishonest. The credit report will inevitably leave a bad record after the loan and house purchase are overdue. If the circumstances are serious, it will not only be included in the list of untrustworthy executors, but also affect future real estate loans.

However, if it is not intentional overdue, but the repayment time exceeds the grace period, it is useless to tell the customer service, because the overdue has become a fact, and the customer service will not see whether the debtor is intentional or not, nor will it cancel the overdue. However, if the payment is overdue, the customer service may not report it.