According to the inquiry of China Travel Service. Com, accounts overdue for more than 7 days will be temporarily frozen, and accounts overdue for more than 30 days will be permanently frozen, which will affect personal credit status, reduce credit rating and affect loan and credit card applications. Overdue records will be uploaded to credit reporting agencies for reference by other financial institutions, which will become the reason for refusing applications, and overdue fees will also accumulate, increasing repayment pressure and restricting the use of financial services such as credit cards.