If the credit card is overdue for no more than three days, it will not affect the credit investigation. If it is overdue for more than three days, the overdue situation will be recorded in the credit information system, which will affect the personal credit of the cardholder. Overdue credit cards have a great impact on cardholders, and there will be overdue interest and overdue fines, which will lead to the suspension of credit cards and increase the economic pressure of cardholders.