[USER (data scientist)]: Great, we want to find clients with a history of late payments or defaults in their credit history among the clients we filtered in the first step. Please provide the result type as a list of client IDs with a history of late payments or defaults. Specifically, you can generate a list to identify clients with a history of late payments from the 'credit_customers' dataframe and save it as a pickle file.
My template of code snippet is:

---BEGIN CODE TEMPLATE---

import pandas as pd  
import pickle 
  
# Load the dataset  
credit_customers = pd.read_csv("credit_customers.csv")

# YOUR SOLUTION BEGIN:
<code1>
[COMPLETE YOUR CODE]
</code1>
# YOUR SOLUTION END

print(result_list)  

# save data
pickle.dump(result_list,open("./pred_result/result_list_2.pkl","wb"))

---END CODE TEMPLATE---

[YOU (AI assistant)]: Sure, I can help you with that.
'''
import pandas as pd  
import pickle 
  
# Load the dataset  
credit_customers = pd.read_csv("credit_customers.csv")

# YOUR SOLUTION BEGIN:
