It’s not okay to pay 100 yuan on an overdue credit card. Late repayments will have a negative impact on an individual's credit history, possibly leading to a downgrade in credit rating and affecting future borrowing capacity and interest rates. It is recommended that users query credit big data to understand their personal credit status and potential risks.

Details:

1. Overdue repayment refers to the failure to repay on time or only repaying part of the debt. Even if the overdue amount is only 100 yuan, it will be regarded as a default by the bank and recorded in the credit report.

2. Credit report is an important basis for financial institutions to evaluate personal credit status. Late payments will leave a record on your credit report for a certain period of time. This will have a negative impact on an individual's credit rating.

3. A decline in credit rating may lead to future borrowing difficulties and higher interest rates. Financial institutions decide whether to borrow money and the conditions for borrowing money based on credit ratings. A lower credit rating means it's harder to get a loan and you'll likely have to pay a higher interest rate.

4. Querying credit big data can help users understand their credit status and potential risks. Platforms such as Netdome Data provide personal credit report inquiry services, through which users can learn about their credit ratings, overdue records and other credit-related information.

Summary: Overdue repayment, even if it is only 100 yuan, will have a negative impact on personal credit. It is recommended that users use the credit big data platform to query personal credit reports to understand their credit status and potential risks.

Extended information: Overdue credit card payments may result in a decrease in credit rating, limit personal borrowing capacity and increase interest rates. Therefore, paying off all outstanding debts in a timely manner is an important measure to maintain good personal credit. Querying credit big data can help users comprehensively understand their personal credit status and provide suggestions and services to prevent overdue repayments.