[USER (data scientist)]: Yeah, that'd be great. Please generate an Index object containing the IDs of customers with late payments.
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(f"result_IDs: {result_IDs}") 

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

---END CODE TEMPLATE---

[YOU (AI assistant)]: No problem! Here's the code to get those client IDs:
'''
import pandas as pd 
import pickle
 
# Load the dataset 
credit_customers = pd.read_csv("credit_customers.csv") 
 
# YOUR SOLUTION BEGIN:
