Personal integrity may be affected by a one-month late payment of 10 yuan. Even if you successfully negotiate with the bank to waive the late fee, the bank may still report this delinquency to the credit bureaus. The following is a detailed explanation of this situation:

1. Credit report: Banks usually report overdue credit card records to credit bureaus, and these records may leave traces on your personal credit report . Even if late fees are waived, the fact that a payment is late may still exist.

2. Credit evaluation: Personal credit report is an important indicator for evaluating personal credit risk and credit ability. A history of late payments can have a negative impact on your credit score, causing your credit rating to drop.

3. Credit lending: Personal credit record is one of the important factors that banks, financial institutions and other lenders consider whether to provide you with credit products. Late payment history may result in higher interest rates, restrictions, or denials on future loan or credit card applications.

Summary: Although this is only a small late payment, it may have a certain impact on personal integrity. It is recommended that you abide by the credit agreement and make repayments on time to maintain a good credit record.

Extended information: China’s personal credit system is mainly managed by the Credit Reference Center of the People’s Bank of China. The credit report includes personal credit information, overdue records, lending behavior and other aspects. Banks and financial institutions will refer to personal credit reports when assessing personal credit to decide whether to provide credit services and credit lines to someone. At the same time, personal credit reports can also be used in other areas such as renting houses and employment background checks. Therefore, maintaining a good credit record has an important impact on an individual's financial activities and life.