Credit card default will definitely affect other bank cards. Once the credit card is overdue, it will not only affect the withdrawal and installment functions of the credit card, but even reduce the amount. Of course, this will also happen to credit cards of other banks. Because the monthly consumption and repayment of credit cards need to be reported to the Credit Information Center of the People's Bank of China, that is, credit information collection.

For the sake of risk control and safety, banks often check the credit information of borrowers from time to time. Once the cardholder is found to have overdue behavior, the bank will regard the user as risky, and never mention that the card is not phased in, and the card will be severely reduced directly. Therefore, we often see the bank's inquiry records in our credit report, so it will definitely have an impact.

Therefore, please use credit cards reasonably and form good habits, which can not only protect our credit information, but also enable us to better enjoy various activities and benefits of the bank. After all, banks like to deal with honest people. No matter what the circumstances, you should not let the credit card expire, and the consequences of overdue are also very serious, which has a great impact on bank loans for buying a house and a car in the future.

If you have multiple bank credit cards, please be careful not to overdue and repay them on time, because once one credit card is overdue, other credit cards may be downgraded and blocked, which will affect the normal use of cards and bring a series of influences to cardholders, so you must be able to use cards rationally and spend rationally.

What is a credit card:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.