1. Determine whether there is any overdue through bank notification. If the repayment is overdue, the bank will notify the cardholder by SMS or app notification SMS. And urge repayment;

2. Query the repayment record to determine whether the repayment date exceeds the last repayment date. You can check your last repayment date by SMS, bank credit card app, etc. And you can know if you are overdue;

3. Check your credit information. Go to the local China People's Bank outlet and apply for a credit report from the staff. Or log on to the website of the Credit Information Center, click "Internet Personal Credit Information Service Platform"-"Start Now", and enter the login information to start the inquiry.