The consequence of the second installment of credit card (debit card) is that overdue records will lead to poor personal credit information. The second installment occurs after the credit card (debit card) is overdue, and the user negotiates with the bank operation to repay the overdue debt in installments. This situation belongs to the second phase. Because overdue records and overdue interest have been generated, even if the second installment is successful, the negative impact of overdue still exists.

Users who use credit cards (debit cards) must pay back on time. Failure to repay on time will affect personal credit information, and it will be difficult to handle credit loan business in the future.