One overdue credit card payment will have an impact on your credit. Specifically, there are the following points:

First of all, one overdue credit card payment will cause "overdue" information to appear on your credit record. Banks will report overdue information to the Personal Credit Information System of the People's Bank of China, an institution that records personal credit information. Other financial institutions often refer to personal credit reports when reviewing personal loans, credit card applications, etc. Overdue records will have a negative impact on personal credit evaluation.

Secondly, overdue credit card payments will lower your personal credit score. Credit scores are calculated based on several factors, including the goodness of your repayment history. Once credit card repayments are overdue, an individual's credit score will drop, and a lower credit score will affect subsequent loan and credit card applications, etc.

Finally, overdue credit card payments may result in the credit card account being frozen or canceled. Banks have the right to freeze cardholders' credit card accounts to prevent further overdue behavior. If a cardholder's credit card account is canceled, it will have a more serious negative impact on the individual's credit record and cause inconvenience to daily consumption.

In short, one overdue credit card payment will have a negative impact on personal credit, including leaving overdue records in personal credit reports, lowering credit scores, and possibly freezing or canceling credit card accounts. Therefore, timely repayment of credit cards is an important part of maintaining good credit.

Extended information:

The impact of credit record on personal credit evaluation is comprehensive. In addition to repayment record, other factors also need to be considered, such as personal income status, debt situation, Job stability, etc. At the same time, the China Personal Credit Information Credit Information System is a public database, and financial institutions can obtain personal credit records by querying the system. Therefore, maintaining a good credit record, including repayment on time, is one of the important ways to maintain personal credit.

Supplementary information (assumed):

Assume that the overdue situation occurs within one month after the repayment date. According to the regulations of the China Banking Association, the repayment date of a credit card is usually a fixed date every month, and the cardholder needs to pay off or the minimum repayment amount before the repayment date. If the payment is not made for one month after the due date, it will be considered overdue.

Supplementary information (hypothesis):

Assume that the personal credit card limit is low and the amount of overdue repayment is also small. Overdue credit card records will generally be retained in credit reports for 5 years. When the overdue amount is small, the impact on your credit record will be relatively light, but you still need to pay back in time to develop good repayment habits.

The above are answers based on the specific circumstances in which one overdue credit card repayment will have an impact on your credit. Maintaining good credit, including on-time repayments, is critical to personal financial stability and future financial transactions.