all credit cards have a final repayment date. If you repay after the repayment date, all of them will be considered as overdue, and all of them will be reported to the credit bureau, which will have the following effects on individuals.

no longer enjoy interest-free repayment.

Affect personal credit records

Serious overdue and huge amount will also constitute a crime due to "malicious overdraft".

if the payment is overdue for more than three months or the bank has made more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court.

the impact of credit card overdue once in a while on individuals is not too serious, as long as the credit card is returned in time, it can be made up. Overdue for no more than four times in a year, the impact on individuals is not too great. If it is overdue for three consecutive months or even seven months, you can't make any bank loans or credit loans in the past five years.