Overdue payment can harm your credit score and relationship with lenders. It occurs when EMIs or credit dues are unpaid beyond the due date. Repeated delays reflect poorly on your credit history and may result in penalty charges or legal action. To avoid this, set up auto-pay for your EMIs, maintain buffer funds, and track due dates carefully. If you're struggling, speak to your lender about restructuring options or a temporary moratorium. Regular communication and timely repayments go a long way in preserving your financial health. Managing overdue payments ensures continued access to credit and protects your business reputation.

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