1, as long as there are overdue repayment records in the overdue credit records of credit cards, it will have a certain impact on personal credit. However, personal credit reports do not permanently record overdue information. As long as the overdue person has paid off his debts and maintained a good credit record for five years, anyone can restart his credit record. Although the overdue records will be kept in the credit report for five years, as long as the conditions are met, the paid-off overdue records will not affect the borrower's loan or credit card application: if the borrower is less than three months overdue, as long as the borrower can maintain a good credit record for half a year after paying off the debt.

2. After paying off the debt for half a year, the borrower can reapply for a loan or credit card. If it is overdue for more than three months, the borrower can maintain a good credit record for two years after paying off the arrears. After paying off the debt for two years, the borrower can reapply for a loan or credit card. It is worth noting that the overdue records after 5 years have been deleted, which means that the overdue records in the credit report have only been retained for 5 years. The overdue records in the bank database are kept for life. As long as the bank wants to inquire, it can find overdue records at any time. But in order to give the borrower a chance to turn over a new leaf, the bank will not inquire about the overdue records of the borrower many years ago.

1. Overdue repayment after credit card overdraft is a breach of contract. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs. Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he should also bear criminal responsibility. Finally, the overdue period will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loan and other behaviors. The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 61 of this Law, the borrower may return it at any time; The lender may urge the borrower to repay the loan within a reasonable period of time.

2. Article 207 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the contract or the relevant provisions of the state. If the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period. Article 196 of the Criminal Law of People's Republic of China (PRC) stipulates that a large amount of credit card fraud shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, and his property shall also be confiscated.