1. If the repayment is overdue for many times, the bank will think that it has no repayment ability and freeze the credit card. At this time, you need to pay in full, call customer service and ask for unfreezing. As a result, the amount may be reduced, but if there are not many overdue times, the general customer service will unfreeze it.

2. Overdue repayment will affect the user's personal credit information, which will have a serious impact on future credit card applications and loans (car loans and mortgages).

if the cardholder is overdue only occasionally, and all of them repay in full and on time afterwards, the general impact will not be great. If the applicant's credit is overdue seriously, then he will definitely apply for personal credit. According to bank regulations, if the borrower has bad credit records for three consecutive times or more than six times in two years, he will not be able to apply for a loan.