1. The credit card has been overdue for three consecutive times, totaling six times;

2. The monthly payment is overdue for 2 to 3 months or unpaid;

3. The monthly payment of car loan is overdue for 2 to 3 months or not;

4. If the loan interest rate is raised, the monthly payment will still be paid according to the original amount, resulting in overdue interest;

5. Water, electricity and gas charges are not paid on time;

6. Personal credit card cashing behavior;

7. The student loan is in arrears.