Not every credit card will receive credit information, and only overdue credit information will be collected at the meeting. The credit information system will only show the monthly repayment situation, such as whether it is overdue, the number of days overdue and whether the repayment is normal. The specific items of general consumption are not reflected. As long as the credit card is overdue, but as long as the arrears are short and the amount is relatively small, it will not affect the future loan business in most cases. If the overdue time is too long, it will be regarded as malicious overdraft, and it will be very difficult to handle bank credit business in the future.