When banks review a user's credit, they will go to the Credit Reference Center of the People's Bank of China to obtain the user's personal credit report, which will contain detailed records of credit card overdue! In fact, credit card overdue does not refer to a few times, but to a period. When you check your personal credit record, you will find that if there is an overdue credit, there will be numbers written on it, such as 1, 2, 3, 4, 5, 6, etc. The different numbers represent the number of months overdue. Generally, if it is within one month, the bank will forgive it. If it is "2", it will consider it. If it is "3", it will definitely not be processed. Loans and other businesses will not be accepted.