Generally, if a credit card is overdue once, the bank will call you for collection at most, and there is a record of overdue repayment within the bank at most. As long as you pay it back next month, it won't generally affect you. However, if you are overdue for more than two months, or fail to pay it back many times within one year, then the bank will give you a record of bad information in the People's Bank of China, and you will not be able to borrow money then. Bad credit records will not be eliminated after 2 to 7 years unless you repay them in full. But you can also find someone to get rid of your bad record directly, one or two thousand yuan at a time (it is said).

It doesn't matter if it's only once or twice. At most, the bank will make a short-term record for you and return it in time. It won't make any difference. You can rest assured. However, we must be careful not to overdue repayment in the future.

If you are interested, you can check your personal information records. You can check with the head office of the local people's bank with your ID card and a copy of your ID card.