No, the bad credit records of credit cards are only for cardholders, not for others. \x0d\ The consequences of overdue credit cards are as follows: \x0d\ 1. Bank Credit Card Banking Center will charge late fees and interest: \x0d\ 1. The overdue fine is calculated as 5% of the unpaid minimum repayment amount, and the minimum repayment amount is 10 yuan or 1 USD \x0d\2. At the same time, the bank will \x0d\ 2. Affect credit \x0d\ 1. If it is overdue within one month, it shall be counted as overdue once. As long as it is overdue, even once, it is difficult to raise the limit; \x0d\2。 If it is overdue three times in a row or six times in total, there will be a bad credit record, and it will be difficult to obtain loans and apply for credit cards in the future; \x0d\3。 If the overdue period exceeds a certain amount and time, the bank will freeze the credit card.