1. First of all, since the cardholder is overdue again after negotiation, it is best to proactively communicate with the credit card center and renegotiate.

2. Secondly, if you pay off the loan immediately after it is overdue, and the customer did not intentionally overdue it, and the installment plan has been implemented on time since the negotiation, then although the customer’s credit will be damaged due to the overdue payment, the customer’s credit will be damaged later. You should still be able to continue to implement the installment plan to repay the debt in installments.

3. Finally, if the customer is overdue for a long time, the bank is likely to terminate the contract and require the customer to pay off the debt in one lump sum in advance. At that time, the customer may not be able to negotiate again. And if the customer still fails to repay the debt, the bank may sue the customer. If the customer still fails to repay the debt, the court may enforce it, and may freeze the bank card in the customer's name and debit it. Deduct funds for repayment.