Generally speaking, if a credit card is overdue for more than three times, it will have a bad credit record. The "Interim Measures for the Management of Basic Databases of Personal Credit Information" contain relevant provisions on credit reporting:

Article 6: Commercial banks shall abide by the standards for personal credit databases issued by the People's Bank of China and their relevant requirements, and provide accurate and accurate information. Submit personal credit information to the personal credit database in a complete and timely manner.

Article 7: Commercial banks shall not provide personal credit information to basic personal credit information databases established or disguised without the approval of the credit reporting department.

Article 8: Credit reporting service centers should establish complete rules and regulations and adopt advanced technical means to ensure the security of personal credit information.

Article 9: The credit service center shall objectively organize and save the personal credit information submitted by commercial banks based on the needs of generating credit reports, and shall not change the original data without authorization.

Article 10: When the Credit Information Service Center believes that the information submitted by a commercial bank is suspicious, it shall promptly issue a review notice to the commercial bank in accordance with the relevant procedures. The commercial bank shall respond within 5 working days from the date of receipt of the review notice.

Article 11: When a commercial bank discovers that the personal credit information reported by it is inaccurate, it shall report it to the Credit Information Service Center in a timely manner, and the Credit Information Service Center shall make corrections immediately after receiving the error correction report. Adverse effects caused by overdue payment

1. Overdue banks will charge corresponding late fees, calculated based on 5% of the outstanding portion of the minimum repayment amount. Credit card users When paying off the outstanding balance, you must also pay late fees. At the same time, the bank will also charge an interest of 0.05 of the total amount of the credit card user's bill every day;

2. Impact on credit: Overdue is a serious problem for credit card users. Behavior that will affect one's own credit record. If a credit card user is overdue within one month, it will be considered overdue once, if it is more than one month, if it is less than two months, it will be considered overdue twice, and so on. As long as a credit card user is overdue, it will be more difficult to increase their credit limit in the future. Credit card users who are overdue three times in a row or six times in total will have a bad credit record on their credit report. It will be very difficult for them to apply for loans in the future and buy a house or a car. If the amount and time are overdue, the bank will freeze the user's credit card.