If there is a bad record on the credit report, the bank will make a dunning. The overdue credit card is a breach of contract, so it will tarnish personal trust, which is not conducive to the later bank lending business and produce overdue records in the credit report. Consequence of overdue: 1, and bear high penalty interest; 2. Causing legal disputes; 3. Leave a "credit stain" in the national credit information system.