1. Decline in credit score: One month overdue will lead to a decline in credit score, which may affect the ability to obtain loans, credit cards and other financial services in the future.

2. High interest and late fees: Late repayment usually triggers high interest and late fees, which will increase the total amount you need to pay.

3. Default record: The bank may report the overdue record to the credit reporting agency, which will leave a bad credit record and may affect your future credit loan application.

conclusion: one month overdue will lead to a decline in credit score, an increase in interest and late fees paid, and a bad credit record. Therefore, it is the key to maintain a good credit to avoid overdue repayment of credit cards and pay off the arrears in time.

Extended information: According to the relevant laws and regulations of China, after the overdue repayment of credit cards, general banks will follow certain procedures to collect and recover the arrears. If the overdue repayment is too long and the arrears are large, legal means may be taken, such as court prosecution to recover the arrears. Therefore, please make sure to repay the credit card arrears on time to avoid unnecessary troubles and financial losses.