detailed description:

1. Credit card is a time-limited borrowing method, and the overdraft amount needs to be paid off on time. Overdue repayment will have a negative impact on personal credit records.

2. The borrower usually has a grace period, during which he can make repayment without being punished immediately. The specific grace period varies according to the regulations of the credit card issuing bank.

3. If the arrears are not returned after the grace period, the credit card issuing bank will take measures, such as sending a dunning notice or telephone reminder to the borrower.

4. After overdue for more than 9 days, the credit card issuer may think that the borrower has lost the repayment ability, so it will be included in the credit blacklist, which will further affect its credit record and credit score.

5. The influence of the credit blacklist will cause borrowers to encounter difficulties when applying for other credit products, or be rejected for credit card applications with higher amount.

Summary:

Credit cards overdue for more than 9 days may cause borrowers to be blacklisted, thus damaging their credit records and credit scores. It is suggested that borrowers always pay attention to repayment on time to avoid unnecessary negative effects.

Extended information:

Credit blacklists are usually maintained by credit information sharing platforms or financial institutions. The specific length of overdue time may vary according to the region, issuing bank and personal situation. In addition, an individual's credit score will also be affected by other factors, such as repayment record, debt level and the frequency of applying for credit products. Therefore, it is very important for personal financial health to abide by the credit card repayment regulations and establish a good credit record.