It is very likely that the rating will be reduced.

Generally speaking, if the cardholder is overdue once in a while, it will not trigger the bank's risk control system, but if the cardholder contacts the card overdue, it will attract the attention of the bank's risk control system. Afterwards, the bank is very likely to reduce the limit of the cardholder's credit card. If the cardholder is overdue again, the bank may reduce the limit again. If the situation is serious, the credit card will be blocked or temporarily suspended. Cards are also possible.