The credit investigation is conducted by the central bank, and all commercial banks report to the central bank on schedule. Overdue is your overdue record in the repayment bank, which can be found in the repayment bank, so there is a time difference here. In addition, if you have paid off the loan in time, the bank thinks that you are not maliciously overdue, which can be forgiven. The bank may not necessarily report your overdue information to the central bank, thus affecting your credit information. The credit record is just a record, which truthfully reflects the information reported by various financial institutions. Before the central bank finds the overdue record, discuss the remedial measures with the lending bank. Once, a colleague of our company lent his credit card to someone else, and as a result, he lost hundreds of dollars and failed to repay it in time. Finally, he was punished. The unit issued him a certificate that the bank did not report to the central bank, and finally his credit information was not affected.