if your credit card is overdue twice, you have a bad record. If you apply for a credit card or a car loan now, the bank will not approve it, which will seriously affect your studies and future. Under normal circumstances, the bank's regulations on overdue are as follows:

1. If the credit card is overdue for more than 6 times within two years, or overdue for more than 3 months at a time, it is not allowed to apply for a loan. Therefore, those who have applied for a loan plan from the bank in the near future, it is best not to use a credit card in the early stage of application, and if they do, they should maintain a good habit of borrowing and repaying, and do not overdue.

second, personal credit is bad, and the interest rate for applying for commercial loans will be raised. If your credit card is often overdue and leads to the decline of the credit limit, the bank will check your credit history in recent years when you apply for a loan. Once you find that your credit information is bad, it will raise the interest rate of your loan application, which is not a good thing for individuals.

When using a credit card, you should know your own economic level, spend wisely, and pay back in time. If there is any special accident, you must also take the initiative to make it clear to the bank and apply for delayed repayment.