If the credit card is overdue for more than two years, it must have caused a large overdue fee. The overdue record of the credit card has been uploaded to the central bank's credit information system. Loans will definitely have an impact in the future.

Second, suggestions

It is recommended to go to the bank for one-time repayment as soon as possible. After paying off the arrears, when using credit cards or applying for credit loans, we must maintain good repayment habits to reduce the time to eliminate bad records in credit information, otherwise it will take five years to completely eliminate them.

Extended data

Tip:

1. If you are caught in a difficult economic period during the repayment process, you can choose the minimum repayment amount of the credit card, that is, the minimum amount to be repaid when using revolving credit, which is not less than 10% of the outstanding balance.

2. Calculation method of minimum repayment amount of credit card: minimum repayment amount = 10% consumption balance+10% cash withdrawal balance+interest balance+other payable expenses balance+unpaid part of the minimum repayment amount in the previous period.

3. However, due to the failure to repay in full, I decided not to enjoy the interest-free repayment period. This method can alleviate the temporary economic pressure of cardholders, and if it is used for a long time, it will also have an impact on future credit information.

Refer to People's Network-Three Reasons for Late Payment of Credit Cards