Hello, the overdue credit card is a very serious breach of trust, which will be reported to the credit bureau and generate penalty interest, with serious consequences, which will affect the later loan. If you use a loan with money to spend, you must also maintain good habits, repay on time, and cherish your credit. There will be positive feedback on the repayment that keeps the promise, such as increasing the quota and cutting interest rates. I hope this answer can help you. This answer is provided by Youhuahua, a credit service brand under Xiaoman Finance (formerly Baidu Finance). The reliable interest rate is low, and the amount can be calculated immediately by clicking the bottom of the mobile phone, and the maximum loan amount is 200,000.