The impact of the credit report on the credit card is as follows:

1. Overdue credit card will lead to a bad credit record on the cardholder's credit record, which will affect the cardholder's future When applying for and using credit products, users will be rejected due to poor credit reporting when applying for credit services;

2. Overdue credit card If the cardholder’s credit card is overdue for a large amount and has been for a long time If you fail to repay the loan, you may be sued by the bank. Generally, if your credit card is overdue for 3 months, you will be prosecuted. In serious cases, you will be included in the court's list of dishonest people and be restricted from spending too much.

The circumstances that affect your credit report are as follows:

1. Arrears in water bills, phone bills and other related expenses. These small things will affect your personal credit report;

2. The borrower applies for personal loan default. If there is an unpaid loan principal and interest or the guarantor is repaying the loan, and there is a loan extension record recently or within two years of using capital to pay off the debt, it will also be included in the credit record list;

3. Borrower The credit card is overdue. This is most common in rasterization. If a cardholder forgets to repay or has defaulted on repayment, it will also be recorded if the number of repayments exceeds six times within a year.

The functions of the personal credit report are as follows:

1. When buying a house, buying a car, applying for a credit card, etc., you need to check the personal credit report. If there is a bad record on the personal credit report , banks or other lending institutions will not lend;

2. In addition to being easier to apply for a loan, people with good credit also tend to get a higher loan amount if they apply for it;

3. If your personal credit record is not good, it may also affect your future job hunting, because if your personal credit is not good, then you have no credit. In today's society, personal credit is Very important. Employers often take people with bad credit records into consideration when hiring them.

Legal basis:

Article 8 of the "Several Provisions of the Supreme People's Court on the Publication of Information on the List of Persons Defaulted to Execution"

The People's Court shall The information on the list of persons shall be notified to relevant government departments, financial regulatory agencies, financial institutions, public institutions with administrative functions and industry associations, etc., for relevant units to use in government procurement, bidding, administrative approval, government procurement, etc. in accordance with laws, regulations and relevant provisions. In terms of support, financing and credit, market access, qualification certification, etc., credit penalties will be imposed on those subject to execution for dishonesty.

The people's court shall notify the credit reporting agency of the list of dishonest persons subject to enforcement, and the credit reporting agency shall record it in its credit reporting system.

If state functionaries, deputies to the National People's Congress, members of the Chinese People's Political Consultative Conference, etc. are included in the list of persons subject to enforcement for breach of trust, the People's Court shall notify their units and relevant departments of the breach of trust.

If state agencies, public institutions, state-owned enterprises, etc. are included in the list of persons subject to enforcement for breach of trust, the People's Court shall notify their superior units, competent departments, or institutions that perform the duties of investors of the breach of trust.