Legal analysis: Overdue credit cards will affect overseas visas. Most credit cards are A and A cards, which are international companies. In fact, creditworthiness is with international credit card companies. When going abroad, your credit will be checked, and if your credit card is overdue, your visa may be denied. Moreover, if you go abroad, the bank will definitely think that you are malicious and do not repay the loan. Affects visa rates and creditworthiness. If the maximum repayment period is exceeded, the bank may sue. Paying it off will have no impact on your future travel abroad. If you really have no choice, you can negotiate with the bank for repayment in installments.

Legal basis: "Measures for the Administration of Bank Card Business" Article 5 Bank cards include credit cards and debit cards. Bank cards are divided into RMB cards and foreign currency cards according to different currencies; they are divided into corporate cards (commercial cards) and personal cards according to the issuing objects; they are divided into magnetic stripe cards and chip (IC) cards according to different information carriers. Article 41 The card-issuing bank shall carefully examine the credit card applicant's credit status and determine effective guarantees and guarantee methods based on the applicant's credit status. Card-issuing banks should regularly review the credit status of credit card holders and adjust their credit limits based on changes in credit status.