"A bank employee replied that if I make up the loan within three months, there will be no default"-you must have misunderstood this sentence. As for loans, when loans overdue (including extension) lasts for more than 90 days to 180 days, 1 month is not a normal customer, but a concerned customer for 2 months and a bad customer for 3 months. Bad here is a bad concept in the five-level classification of loans, which is different from bad credit records. As long as the repayment is overdue once, it will produce bad records. As you said, it's only a month late, so there is only one default at most, which won't lead to the failure of credit card application, so I'm worried that you have defaulted on repayment, but you didn't realize it. For example, some people pay back the money every month, but they are still short of 1 or 2 days each month. In fact, if they are a day late, a default record will be generated. So I suggest you make a credit report to see the specific situation. Bad loan records are difficult to eliminate. Unlike the bad record of a credit card, which can be used normally for 2 years by constantly swiping the card and then updating the information, it usually takes 7 years to eliminate the bad record of a loan. If your credit rating has become "forbidden", you can't handle any credit business in the future. If you are concerned, you can issue some certificates, and you may also apply for loan business in the future. If it is "normal", the loan can be done, but it will be affected. For example, if you apply for a mortgage, you may not be able to enjoy preferential interest rates.