Those who have overdue credit cards will not immediately become dishonest, but overdue behavior may have a negative impact on personal credit records. The specific handling methods are as follows:

1. Bank collection measures:

After the customer is overdue, the bank will remind the customer to repay the loan as soon as possible through phone calls, text messages, letters, etc., and may charge overdue debt. Penalty interest and late fees.

2. Impact on personal credit record:

Overdue repayments will be recorded by the bank and reported to the Credit Reference Center of the People's Bank of China, which will impact personal credit record. If your credit card is overdue for more than 90 days, it will be included in the credit blacklist, which will have a serious impact on your personal credit rating.

3. Processing method:

Overdue persons should contact the card-issuing bank in a timely manner to understand the specific situation of the overdue amount and pay off the debt as soon as possible. If you cannot repay it in one lump sum, you can discuss with the bank an installment repayment plan to reduce financial pressure.

To sum up, people whose credit cards are overdue will not immediately become dishonest, but overdue behavior will have a negative impact on personal credit records. Treatment options include bank collection actions, impact on personal credit history and negotiating repayment plans with the bank. Therefore, in order to maintain good personal credit, it is recommended to communicate with the bank in a timely manner and actively resolve repayment issues when your credit card is overdue.

Extended information: According to data from the Credit Reference Center of the People's Bank of China, overdue credit cards are relatively common in China's credit market. Overdue behavior will have a negative impact on personal loan applications, car purchases, house purchases, etc. Therefore, maintaining a good credit record is very important to your personal financial health and future development. To avoid overdue credit cards, it is recommended to plan consumption reasonably, ensure on-time monthly repayments, and communicate with the bank promptly when encountering difficulties.