No.

Generally, a credit card is not overdue if it is more than one day after the repayment date, and of course it will not be recorded on the credit report. However, if it is not paid for more than three days, it will be considered overdue. After the overdue date, the bank will charge 10,000 yuan per day. Five-fifths of the interest will be charged, and overdue records will be retained on the individual's credit report.

Fudian Bank Co., Ltd. (hereinafter referred to as "Fudian Bank") was established on December 30, 2007. It was approved by the China Banking Regulatory Commission to increase capital, expand shares and dispose of Kunming Commercial Bank. The first provincial-level local joint-stock commercial bank in Yunnan Province was established on the basis of non-performing assets.