Being overdue for one month on a China Construction Bank credit card will have the following effects:

1. Damage to credit record: Overdue repayment will have a negative impact on personal credit record, which may lead to personal Credit score drops. This will have a negative impact on future applications for credit, loans, rentals, etc.

2. High interest and late fees: Banks will charge high interest and late fees based on the number of overdue days, which will increase the actual repayment amount and increase the repayment burden.

3. Restriction of bank services: After overdue repayment, the bank may restrict or freeze some functions of the credit card, such as cash withdrawal, installment payment, credit limit adjustment, etc. This will impose certain restrictions on cardholders’ daily consumption and payments.

To sum up, a one-month overdue credit card from China Construction Bank will have a negative impact on personal credit history, increase the repayment burden and restrict some banking services. Therefore, cardholders should actively avoid late repayments, ensure on-time repayments, and maintain a good personal credit record.

Extended information:

According to relevant regulations in China, overdue credit card repayment time is generally calculated on a daily basis, and the interest rate and late fee standards for overdue repayment are set by each bank. Specifically, after a cardholder makes a late payment, overdue interest will be calculated based on a certain interest rate, and late payment fees will be charged based on the number of overdue days. At the same time, banks also have the right to impose restrictions on overdue cardholders' credit cards, such as freezing credit cards, adjusting credit limits, etc.

In addition, late repayment will have a long-term impact on an individual's credit record, and the recovery of the credit record requires a certain amount of time and good repayment performance. Therefore, timely repayment is an important prerequisite for maintaining good personal credit.

Please note that the above are general answers, and the specific impact may vary depending on personal circumstances, bank policies, etc. If you have specific personal circumstances or questions, it is recommended to consult China Construction Bank customer service or relevant professionals.