1. Due to the third-party agency business, but not repaying on time as stipulated in the contract, the third party was overdue. If a car dealer handles car payment services, the personal provident fund loan cannot be repaid in time. In the above circumstances, if the bank does not agree to issue a non-malicious overdue certificate, it can sue the party who caused the bad credit in court. If the judicial authority determines that the person is not responsible, it may require the relevant financial department to modify the credit information.

2. Overdue due to not knowing the bank repayment date. The individual fails to repay the loan in time as stipulated in the contract due to reasons such as the individual's ignorance of the bank repayment date or the bank staff's unclear repayment date, loan interest rate adjustment, repayment date change, etc. As a result, the individual fails to repay the loan in time as stipulated in the contract. Overdue records appear on your credit report. In this case, because the general loan contract stipulates that the bank will not notify the interest rate adjustment, so the overdue payment is still the responsibility of the person, and it is difficult to issue a non-malicious overdue certificate.

3. The credit card is not received or the credit card is not activated, resulting in overdue payment. In this case, it depends on the credit card contract. If the contract states that annual fees will be incurred if the card is not activated, then the overdue payment is my responsibility. Repay it promptly and explain the situation to the bank.