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i want to make a type of code that will show if you miss a payment ie

if($payed === "1")
{
$db->query("UPDATE leanders SET `issue`=`issue` +1 WHERE id='$id'"0);
}else{
$db->query("UPDATE leanders SET `issue`=`issue` -1 WHERE id='$id'"0);
}

then find if the user is allowed to be refinanced?
$sql = "SELECT * FROM lenders WHERE issue='5'";
$results=$db->query($sql);
while($row=$results->fetch_array())
{
echo "<td>".$row["name"]."</td>";
echo "<td>".$row["phone"]."</td>";
echo "<tr></tr>";
}

would this work??