If you go into hardship it will not be noted as a default however, it will be noted on your credit file.
Scheduled Maintenance: We will be performing maintenance between 11:00 PM NZST on Saturday, May 16th and 2:30 AM NZST on Sunday, May 17th. Online applications for credit cards and loans will not be available during this time. We apologise for any inconvenience and appreciate your patience while we make these improvements.