Overdue borrowing will affect the normal use of the credit card. Specifically, the following points can elaborate on this conclusion.

First of all, overdue borrowing will affect your personal credit record. Jiebei is a microfinance product launched by Alipay. Overdue repayments will be recorded in the personal credit report. Credit report is an important basis for financial institutions to evaluate an individual's credit status. It contains information such as an individual's credit record, overdue status and so on. If there is a record of overdue borrowing in your credit report, financial institutions will use this as an important reference factor when approving credit cards.

Secondly, overdue borrowing money may cause the credit card application to be rejected. Banks will evaluate an individual's credit status when approving a credit card application. If there is a record of overdue borrowing in the applicant's credit record, the bank may consider the applicant to have bad credit and reject the credit card application. In this way, the overdue behavior of borrowing directly affects the normal use of personal credit cards.

Finally, overdue borrowing may also cause the limit of your credit card to be limited. When a bank issues a credit card, it will determine the credit limit based on the individual's credit situation. If an individual has an overdue record of borrowing money, the bank may consider the individual's credit status to be poor, so they will take corresponding restrictive measures when setting the credit card limit, resulting in a reduction in the available limit of the individual's credit card, thus affecting normal use.

To sum up, overdue borrowing will affect the normal use of credit cards, including rejection of credit card applications, damage to credit records, and limitations on credit card limits. Therefore, when using Jiebei, be sure to repay on time to avoid the adverse consequences of overdue payments.

Extended information:

Credit card is a convenient payment tool provided by banks. Through credit card, consumption can be made within the overdraft limit, and there is generally a repayment period. Jiebei is a micro-credit product launched by Alipay. Users can apply for a certain amount of credit based on their credit status, and then repay in installments within a specified period of time. However, the overdue behavior of borrowing money will have a negative impact on personal credit records, which will in turn affect the normal use of credit cards. Therefore, when using borrowed money and credit cards, be sure to plan and manage personal funds reasonably to ensure repayment on time.

The above is a detailed explanation of how overdue borrowing will affect the normal use of the credit card. If an individual has an overdue loan, it is recommended to pay off the debt as soon as possible and actively maintain the personal credit record to ensure the normal use of the credit card. At the same time, it is also necessary to strengthen personal financial planning and make repayment plans to avoid overdue situations. Only by maintaining a good credit record can you better enjoy the various convenient services provided by financial institutions.