Don't panic if it's overdue. It is most important to keep a good attitude.

Remedial measures for overdue loans:

① There is no overdue for more than 90 days;

② Contact the bank credit card account manager, issue a non-malicious overdraft certificate and affix the official seal of the bank;

③ If multiple overdrafts are overdue, several non-malicious overdraft certificates will be issued and stamped with the official seal of the bank.

Expiration related:

(1) 60 days overdue is counted as personal credit;

(2) Overdue for 90 days is counted as bad personal credit information;

(3) If it is overdue for more than 90 days, the bank will no longer collect the arrears and will bring a lawsuit to the court;

(4) After the award, the collateral is enforced to pay off the debts agreed in the contract;

⑤ The lender shall bear all the litigation costs.