No Generally, after the credit card is overdue, the bank calls you as a dunning call from the credit card center. If you don't answer the phone, the card center can think that your contact information can't be contacted, and malicious arrears will cause your personal bad credit record. It is best to keep the phone open at any time, answer the phone in time, do a good job of communication and explanation, and strive for the understanding and support of the card center.

：

1. The overdue credit card of CCB is divided into different situations. If the overdue times are few and the time is not long (usually within one to three days), you can communicate with the bank about the application time tolerance. If the overdue time is serious, it will directly affect your personal credit record. Therefore, if you are only overdue once, then actively communicate with the bank, then the bank will not record bad credit information for you, but if you are overdue for many times, then the bank will directly blacklist you, which will directly affect your credit and have a great impact on future loans.

2. If CCB's credit card is overdue, it will roll in the central bank's credit information system for 24 months, so as long as you don't cancel the card after it is overdue and continue to use the card and make records, the overdue records will be covered by good records two years later. In this way, when the bank checks your credit record again, it won't see the overdue record. The central bank will clean up the data in the credit information system every five years. If your CCB credit card is overdue and you don't continue to use it, you must wait five years before the central bank can completely clear the data.

3. Consequences of overdue credit card of CCB: There are overdue records in personal credit report, which will greatly reduce the chances of successful credit card application. Because the bank will investigate the repayment record of the applicant in the last 24 months when approving the credit card. If your repayment record is overdue, the bank will think that you are unable to repay on time and will not approve it. Late fees and interest will be charged. The late payment fee charged by CCB is 5% of the unpaid part of the minimum repayment amount, and the interest is five ten thousandths per day, and it is a full penalty interest. If the overdue time is long and the overdue amount is large, CCB will also take the initiative to freeze your credit card. What's more serious is that if you are blacklisted, you can't apply for a CCB credit card.