Impact of overdue credit card payment:

Overdue repayment will be recorded in personal credit report, but negative information such as overdue repayment is not always recorded in personal credit report. At present, China's credit record has been maintained for five years. After paying off the debt, anyone can start building a credit record again and start again.

If the amount owed reaches 1 10,000 yuan or more, and the card issuer fails to return it twice in more than 3 months, it should be considered as "malicious overdraft" in criminal law and suspected of credit card fraud; If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.