1. If the repayment is overdue for many times, the bank will think that it has no repayment ability and freeze the credit card. At this time, you need to pay in full, call customer service and ask for thawing. In this way, the amount may be reduced, but if there are not many overdue times, the general customer service will unfreeze.

2. Overdue repayment will affect users' personal credit problems, which will seriously affect future credit card applications and loans (car loans and mortgages).

If the cardholder only happens to be overdue occasionally, it will generally not have a great impact if he repays in full and on time afterwards. If the applicant's credit is seriously overdue, then he will definitely apply for personal credit. According to bank regulations, if the borrower has bad credit records for three or more times in two years, he will not be able to apply for a loan.