1. Credit records are damaged: overdue records will leave traces in personal credit reports, which will have a negative impact on credit scores.

2. Rising borrowing costs: Overdue records may lead to an increase in lending interest rates or a decrease in lending quotas, because banks believe that there are high risks.

3. rejected application: other financial institutions may use overdue records as a reference when approving loan and credit card applications, increasing the possibility of rejection.

The details are as follows:

First of all, credit record is an important indicator for financial institutions to evaluate a person's credit status. Overdue records will reduce the credit score, which may affect the future financial activities such as applying for loans and purchasing goods by installment. Banks and other financial institutions will be more cautious about customers with overdue records and think that they have a higher risk of default.

Secondly, because overdue records increase personal credit risk, banks may adjust the interest rate of credit cards or reduce the credit limit. This means that even if the overdue problem is solved, the borrowing cost may increase or the credit line may be limited in the future, thus affecting personal financial flexibility.

in addition, other financial institutions usually check the applicant's credit history when approving loan or credit card applications. Overdue records may cause the application to be rejected, because the bank believes that applicants with overdue records have a higher risk of default.

to sum up, even if the overdue record of credit card is less than 9 days, it will still have a negative impact on personal credit. Damaged credit records, rising borrowing costs and rejected applications are possible results.

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