An overdue credit card is not a breach of trust. To be precise, an overdue credit card will leave a bad credit record on the personal credit report, but it will not directly cause the cardholder to become a dishonest person. Generally, when a cardholder defaults on repayment, he is sued by the bank and the court makes a judgment. However, the cardholder still fails to repay the loan, so the bank requests enforcement from the court, and the cardholder may be listed as a dishonest person by the court.

1. Is an overdue credit card a breach of trust? An overdue credit card is not a breach of trust. To be precise, an overdue credit card will leave a bad credit record on the personal credit report, but it will not directly cause the cardholder to become a dishonest person. Generally, when a cardholder defaults on repayment, he is sued by the bank and the court makes a judgment. However, the cardholder still fails to repay the loan, so the bank requests enforcement from the court, and the cardholder may be listed as a dishonest person by the court. According to the provisions of the Supreme People's Court, when the person subject to execution fails to perform the obligations specified in the effective legal document and one of the following situations occurs, the People's Court will include him or her in the list of dishonest persons subject to execution: 1. Having the ability to perform but failing to do so Refusing to perform obligations determined by effective legal documents; 2. Obstructing or resisting execution through forged evidence, violence, threats, etc.; 3. Avoiding execution through false litigation, false arbitration, or concealing or transferring property; 4. Violating consumption restriction orders; 5. Violation of the property reporting system; 6. Refusal to execute the settlement agreement without justifiable reasons. The person subject to execution for breach of trust is actually commonly known as an "old lai". Once he becomes a "lao lai", he is likely to be restricted from taking trains, planes, entering and leaving the country, etc.

2. Can the credit card be used normally after it is overdue and the payment is overdue? There is still hope that the credit card can be used normally after the payment is overdue, but the specifics need to be evaluated by the bank's risk control system. Under normal circumstances, if the user's credit card is processed immediately after it is overdue, there will generally be no serious consequences, and the user can continue to use it except for penalty interest and credit reporting; however, if the user's credit card is overdue for a long time, the amount is large, and there are many reminders If the user has to pay it off before paying it off, then the bank is likely to consider the user to be a high risk and cancel the use. Each bank basically has a grace period for credit card repayments, so it is very friendly to non-malicious overdue users. As long as the repayment is made within the grace period, it is still a normal repayment and will not be affected. If it exceeds the grace period, then it is Overdue. Specifically, whether to take measures to reduce or freeze the credit card, the bank's risk control department will conduct a comprehensive assessment based on the user's overdue status, personal credit, and past records. Based on the consequences of overdue credit cards, I suggest that if users have sufficient funds on hand, they can repay the credit card immediately after the credit card bill is issued. If they are under pressure to repay, they can also make arrangements in advance. For example, if you apply for installment repayment or minimum repayment, try not to overdue it.