As long as the cardholder's credit card is overdue, the bank will upload the overdue record to the Credit Information Center of China People's Bank. However, as long as the repayment is made in time, the overdue situation is not particularly serious, and generally it will not affect the subsequent cardholders to handle credit card or loan business. However, if the repayment is delayed after the deadline, once it is overdue for more than 90 days, it will be recognized as malicious overdue by the bank, and the consequences will be very serious. The cardholder's subsequent credit business in the bank is likely to be directly rejected.

As a new credit product in today's society, credit card is very popular among users. Many young people choose to open credit cards when they first step into society. I have to say that the use of credit cards has indeed brought us a lot of convenience when their salary level is still difficult to meet the consumption level. Some people think that they are more motivated to work because of credit card arrears.

Normal use of credit cards will not have any impact on personal credit, but once the credit card is overdue, the consequences will be very serious.

Because the repayment time is up, the user has not returned the credit card, which will be uploaded to the central bank's credit information system. In the future, if users have other credit needs, such as applying for mortgage loans, they may be rejected because of their bad records. In addition, after the credit card expires, the bank will freeze the credit card account, so it is not so easy to use the credit card in the future.

If the credit card is overdue for three consecutive months and accumulated six times, it is a serious problem, and the bank will also blacklist the credit card users.

Of course, the data in the credit information system is not static, because the central bank stores a large amount of data, so it will be updated every five years. If the user repays the overdue credit card in time and ensures that there is no bad behavior afterwards, the overdue record in the credit report will also be erased five years later. In a word, while enjoying the convenience brought by credit cards, we should also plan our funds well to avoid the negative impact of overdue credit cards on our future modern life.