[USER (data scientist)]: Great, now let's move on to the second question. 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. 
My template of code snippet is:

---BEGIN CODE TEMPLATE---

import pandas as pd  
import pickle 
from decision_company import read_csv_file, filter_by_value, fetch_index, convert_to_list, logical_or

# Load the dataset  
credit_customers = read_csv_file("credit_customers.csv")  

# YOUR SOLUTION BEGIN:
<code1>
[GENERATE 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. 

# MY SOLUTION BEGIN:
