Credit card charges will not affect your personal credit. As long as you use your credit card normally and don't overdue your credit card, and you don't cash out a large amount of money maliciously, the bank will not have a particularly big impact on your credit report. Only if your credit card is overdue or the bank judges you to have made a large amount of malicious cash out will your credit report be affected.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

When using credit cards, some friends are unable to pay off their debts when the time comes because their income and expenses are not proportional, resulting in overdue situations. Some friends feel that their credit cards are overdue after they are overdue. It doesn’t matter, it’s just that the credit report has deteriorated. Anyway, I don’t need a loan to buy a house or a car in the future. It can be delayed as long as I can. And even if I sue, I can just avoid going to court. In fact, these ideas are wrong. of.

Many people cannot accept these three consequences of overdue credit cards.

First: If you are overdue for a long time, you will become a black account. At this time, you will not be able to apply for any bank credit cards, loans, etc.

Second: Overdue fees and penalty interest continue to accumulate. Once a credit card is overdue, the interest-free period will disappear, and you must bear the corresponding penalty interest. Not only that, as the overdue time increases, overdue fees and penalty interest will continue to accumulate, and in the end the amount will increase.

Third: If you are in arrears for a long time, you will face corresponding legal liability if you are sued by the bank. If you are judged by the bank as a malicious overdraft or credit card fraud, you will be held criminally responsible according to law.

After the credit card is overdue, even if the bank does not take the initiative to collect, you must contact the bank immediately, explain the situation clearly as soon as possible, and pay off the debt, so as to minimize the loss.