Legal analysis: credit card arrears, ID card can also be used. Bad credit information affects the use of ID cards. Failure to repay after the repayment date is overdue and will be recorded in the credit report. Overdue bad records will be recorded in personal credit records, and if they are not kept, they will be blacklisted, which will affect personal credit information. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number, cardholder's name and other contents printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC), if the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.