Loans overdue has not paid my mortgage. The bank called me and asked me to repay the loan, saying that I was afraid of affecting my reputation. So far, I have paid it all off. I wanted to borrow money last time. The mortgage should be repaid every month. If there is only one overdue payment, the overdue month must be repaid on time, and the overdue one must be paid off before the repayment date of the next month. In this way, even if there is a bad credit record, it should only be once; And then it's normal repayment. In this case, applying for a loan (or credit card) again should not be affected.