An overdue credit card will have the following effects one month later:

1. Credit record decline: After one month overdue, the bank will report this news to China’s personal credit bureau. Can cause your credit history to decline. Credit history mainly reflects the credit status of personal repayments, so overdue payments will have a negative impact on credit ratings.

2. Penalties and late fees: Banks usually charge fines and late fees for late repayments. After one month of overdue payment, higher penalty fees and late fees may be incurred, which will increase your repayment pressure.

3. Interest accumulation: After overdue repayment, the outstanding credit card debt will begin to accumulate interest. After one month is overdue, you need to pay the interest accrued during the overdue period, which increases the total repayment amount.

In summary, one month after a credit card is overdue, your credit record will decline, fines and late fees may be incurred, and interest will begin to accrue. These impacts will have a negative impact on your credit status and financial burden, so it is recommended to pay off your credit card debt in a timely manner to avoid overdue repayments.

Supplementary information:

Overdue credit card repayments not only have an impact on your credit record, but may also cause other problems. For example, the bank may take collection measures to urge you to repay the loan through phone calls, text messages, letters, etc., or even entrust a third-party collection company to collect the money. In the case of serious overdue payment, the bank may take legal action and other means to recover the arrears. These collection actions can cause distress for you and have a more serious negative impact on your credit history.

Therefore, in order to avoid various impacts caused by overdue payments, it is recommended to ensure that there are sufficient funds to repay the debt before the credit card repayment date. If you are unable to repay on time due to special circumstances, it is recommended to communicate with the bank in a timely manner and seek reasonable repayment arrangements to reduce the impact of overdue payments.

Please note that the above answers only provide information based on common situations, and the specific impact may vary depending on personal credit history and bank policies. If you require detailed information about the implications for your own particular circumstances, please check with the relevant bank or credit institution.