Even if you do, the amount will be very low. It is suggested to pay off the money, interest and late fees owed as soon as possible, and then go to the bank to check personal credit information to see if it is normal. If it is normal, it will not have much impact on handling credit cards. Four days overdue affects credit reporting. Overdue is naturally a white note that affects buying a house and handling credit cards. It is similar to another credit card. Of course, it can only be used in JD.COM. Many people think that online loans and credit cards are two concepts, and they have nothing to do with each other. But in fact, these are closely related. If your online loan is not standardized and your personal credit is damaged, your credit card processing results will also be affected. Follow-up may also affect your results. In addition, in addition to online loans and your credit card, most data reports will also affect the subsequent credit card processing. Therefore, in addition to standardizing the use of large-value cards, we should also standardize the use of cards, and regularly check the details of your credit card use through WeChat card search. When you find anything unusual, take timely measures to remedy it, otherwise the success rate of applying for a credit card in the future is very low.