ETC credit card (credit card) forgets to repay, and the overdue record will be uploaded to the credit information, thus affecting the user's credit record. Secondly, if it is overdue, it will generate overdue interest on a daily basis. The longer the overdue time, the more interest it will generate. Finally, ETC credit cards (credit cards) are overdue, and banks will send text messages and make collection calls, which will affect users' daily lives.

And when there are bad records in the credit report, it is very difficult to apply for credit card (debit card) and loan business in the future.