Hello, overdue credit card repayment: 1. Your bad repayment record will be recorded in the personal credit information system, which will affect your handling of other businesses in the bank, such as loans. 2. Breach of contract will always generate interest and late fees. If the bank thinks that you are in bad faith, it will sue in the name of credit card fraud, which is an economic crime.

If you are a credit card of our bank, the People's Bank of China requires all card-issuing banks to upload customers' consumption and repayment records regularly, and cannot tamper with them. We won't make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment. If you handle the loan business in the future, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. /zwgk/20 13-0 1/29/content _ 232223 1 . htm？ When you handle new business, relevant departments will generally give priority to recent consumption and repayment records. If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.