Hello! If the credit card is in arrears, you can continue to apply for a certificate; However, since then, your credit in the bank has decreased. You'd better repay the loan early. You first call to see how much you owe and how much the penalty interest is, and then call the bank to say that you forgot to pay it back on a business trip and let them handle it specially; If it still doesn't work, credit cards have a minimum repayment amount. If you can't turn over the capital temporarily, you can pay it back first according to the minimum repayment amount. Your credit in the bank will not affect your marriage certificate. Driver's license, Hong Kong and Macao pass. Birth permit. But it will affect your future bank and credit card installment purchase business, your loan business and purchase money (bank repayment).

If you owe less than 30,000 yuan, the bank will make a dunning. If the time is not long, the bank will accumulate interest, and then the more it owes, the more it owes. At some point, the bank will sue you. It is recommended to repay as soon as possible. My friend's colleague was sued for this.

Have a nice day!