First, if our credit card is overdue, the overdue record may be on the credit card credit cards are issued by the bank, each person for the credit card will be reflected in the personal credit, including credit card total amount, the amount of money that has been used, the amount of money owed and other information. When our credit card is overdue, most of the credit cards will have a certain period of grace for repayment, within this grace period to complete the return of credit card debt, the relevant overdue records will not be uploaded to the personal credit. However, if we do not return the overdue amount after the grace period, then the overdue record will be uploaded to the personal credit, which will have an impact on our personal credit. Secondly, if our loan is overdue, the overdue record will be credit When our loan is overdue, then the overdue record will be reflected in our personal credit. Bank loans are very important assets of the bank, the bank for the loan asset quality control is very strict, once the bank loan is overdue, then the overdue information the next day will be uploaded to our personal credit, to our credit impact. This kind of overdue loans produced by the late record, because of our subjective reasons, the bank will not recognize us for the credit overdue complaint, can only wait until 5 years after the overdue record automatically disappear. Thirdly, if our external guaranteed loan is overdue, the overdue record will be on the credit If we have external guaranteed loan, then this guaranteed loan information will also be reflected in our personal credit, usually in the last part of the credit, which has a part of the guaranteed loan status. When our guaranteed loan is overdue, the overdue information of the guaranteed loan will be synchronized to our personal credit, and the status of the guaranteed loan will be changed from "normal" to "overdue", which makes us unable to get a bank loan because of the overdue guaranteed loan when we apply for a loan. The status of the guaranteed loan will change from "normal" to "overdue", making it impossible for us to be approved by the bank when we apply for a loan because of the guaranteed loan. The first thing I'd like to do is to get a little bit more information on how to get the best out of the program.