For the second overdue after credit card negotiation and installment, it is suggested to communicate with the bank in time to understand the specific repayment method and overdue penalty interest, and pay off the arrears as soon as possible. If you can't pay off the arrears in one lump sum, you can ask for consultation on installment again, make clear your repayment ability and plan, and reach more reasonable installment conditions.

At the same time, it should be noted that overdue repayment has a negative impact on personal credit records. Even if the online loan is overdue, its record will remain in the online loan big data, which may affect the personal credit rating, so it is recommended to know your online loan history in time. You can check kingfisher data to find out about your overdue online loan, debt situation, untrustworthy information and whether there is a blacklist of online loans.

In a word, the influence of overdue repayment on personal credit status is very unfavorable. It is necessary to avoid overdue as much as possible and take active and effective measures to avoid or mitigate its possible impact.