Credit cards are generally overdue for three consecutive periods and have accumulated six credit records, which is very serious and it is difficult to apply for a credit card again.
Bad credit records will be kept in the central bank's credit information system for 5 years, and it is difficult to apply for a successful credit card within 5 years. Reminder: Once you have credit card arrears, you must have a reasonable repayment plan to avoid the adverse effects on your credit history due to overdue.
Therefore, I suggest you use your credit card reasonably, pay back on time and avoid overdue.