If the user is processing the credit card or loan of China Everbright Bank, he will miss the return call of China Everbright Bank, which will affect the processing process of the credit card or loan.

1. If the user has a credit card or loan repayment overdue, he will miss the overdue reminder and affect his personal credit.

2. If the user's personal credit status is good and he has not handled other businesses, the customer service of Everbright Bank may call to invite the user to handle other high-quality businesses, and it will not have much impact if he does not pick up.