This depends on the specific situation. The lawyer explained in particular that each case is different and unique according to the details. It is recommended to consult a lawyer.

The current status of the customer is overdue in the personal credit information system of the People's Bank of China or in our bank's and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ), or there are bad records overdue for more than 90 days in the last 12 months (that is, the overdue status flag is "4").