m2 "refers to the time between the unpaid third billing date and the final repayment date of the third bill. During this time, the bank will directly collect the money and inform them of the consequences of non-repayment. If necessary, it will contact family members or collect it at home.

the credit card is overdue for a few days, depending on whether the bank provides time-tolerant service. If the cardholder fails to pay off the money owed before the repayment date, if the bank pays off the debt within the repayment grace period of three days later, it will not be credited. If the debt has not been paid off within the 3-day repayment grace period, the bank will upload the overdue record to the credit information system of the People's Bank of China. Then, if there is no time-sensitive service, it is possible to collect credit once the repayment grace period has passed, depending on the regulations of each bank.