Detailed description:

1. Overdue credit cards will have a negative impact on personal credit records and may be recorded in the credit information system.

2. Banks usually submit overdue information of credit cards to credit reporting agencies, which are responsible for collecting, sorting out and managing personal credit information.

3. The credit reporting agency will record the overdue information provided by the bank in the personal credit report and become a part of the personal credit record.

4. Even if it is only short-term overdue, it may cause the concern of potential creditors and adversely affect future credit applications.

5. This kind of record is usually kept for a period of time, which affects the personal credit score and the evaluation of credit limit.

Summary:

Credit card overdue for 5 days will have a negative impact on personal credit records and may be recorded in the credit information system. The overdue records will be kept in the personal credit report for a period of time, which will adversely affect the future credit application.

Extended data:

China's personal credit information system is mainly managed by the People's Bank of China, including the credit information center and several credit information institutions. These institutions will regularly submit personal credit information, including credit card overdue records, to the Credit Information Center. Personal credit records are very important for loans, credit card applications and other credit-related financial activities. The impact of overdue records depends on the length and frequency of overdue records. The longer the overdue records, the greater the negative impact on credit score.