A credit card is overdue and will be sued, and the personal credit information has been recorded badly. After the credit card loan management, other banks will restrict the credit card in the person's name, reduce the credit limit or stop the card, and urge to repay the arrears.

Bad personal credit record:

① Ensure that the arrears are paid off in time and pay all the fees;

② after five years, bad records can be cleared automatically, and loan business can be handled normally at that time;

③ if the repayment is not made, the bank can make a retrospective payment after five years, and the retrospective increase of non-recording period is five years;

④ If the circumstances are bad, it can be traced back to permanent preservation;

⑤ During the period of bad credit reporting, you can't buy train tickets or plane tickets to travel;

⑥ During the period of bad credit reporting, no loans or credit cards are allowed;

⑦ during the period of bad credit reporting, traveling abroad is restricted to some extent.