If the credit card from the four major banks is overdue and the user negotiation is successful, the overdue interest can be reduced or exempted. If the user fails to negotiate successfully, he or she needs to pay overdue interest based on the actual number of overdue days. Since the specific circumstances of different users are different, whether the negotiation can be successful depends on the answer given by the bank. Even if the negotiation is successful in reducing overdue interest, the overdue record will still be uploaded to the credit report.