求翻译：也许自己觉得没什么大不了，但严肃地来说，在金融机构看来，你就是信用出问题了，你再有什么充分的理由都显得苍白无力了。想办法及时补救吧，两年时间别想跟银行打交道了，这就是懈怠还贷的代价。是什么意思？

May feel is not the end, but seriously, in the view of financial institutions, you are wrong with the credit, you have any good reasons seem its sting. Find a way to remedy in a timely manner, has two years don't want to deal with banks, which is to go before the cost of repaying.