You can complain to the labor inspection department, apply for labor arbitration, or file a lawsuit in court to require the company to pay wages. However, you can only bear the consequences of an overdue credit card, not the company.

The impact of overdue credit cards:

1. Failure to repay overdue credit card after overdraft is a breach of contract. The bank can require the cardholder to repay the principal, overdue interest, late payment fees, and overdue payment. Limit fees, etc.; if the bank sues in court and wins, the cardholder will have to bear the litigation costs.

2. If the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay the amount overdue, this constitutes the crime of credit card fraud and he will also bear criminal liability.

3. Failure to repay overdue payments will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loans and other activities.

What to do if your credit card is overdue:

1. In special circumstances, a statement must be submitted to the bank. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, before the final repayment period arrives, it is best for the card holder to take the initiative to call the bank's credit card center to state his financial situation. , declare that they do not owe money maliciously, and apply for delayed repayment and interest discounts.

Based on the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and will work with the cardholder to agree on a mutually acceptable repayment plan, delay period, interest discount, and Monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.

2. If you forget to repay due to your own negligence, you must repay the loan as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center to state that the payment was not malicious. If you have always had good records in the past and the overdue period was short, and you find that you have made good repayments after the overdue period, you may be able to avoid having bad records.

3. The repayment record is covered every 24 months. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months, which means that bad credit records caused by overdue credit card payments will only be kept in the credit reporting system for two years.

If terminated with a card, the corresponding record will no longer be scrolled, but will be saved for a long time. Therefore, after a credit card overdue repayment occurs, it is best not to cancel the credit card immediately. Instead, you should insist on using the card for more than two years and keep your credit good during the period. This way, you can remove the bad records from the credit reporting system by rolling.