If the orange department is overdue, it will not report the credit information immediately. As long as the user repays the amount due during this period within three days, the overdue record on the credit information can be avoided. If the user is overdue for a long time and fails to pay off the debt within the grace period stipulated by the Orange Department, the Orange Department will submit the overdue record to the credit reporting agency, which will have a negative impact on the user's personal credit information.