1. Overdue repayment will affect the credit record, which may lead to a decline in the credit score, thus affecting the monthly payment in Tik Tok.

2. Credit score is an important indicator for financial institutions to measure personal credit risk. Overdue repayment will leave a record in the credit report, which will become an unfavorable factor when applying for consumer installment service in the future.

3. As an installment payment service, the monthly payment of Tik Tok usually requires additional credit review, including checking personal credit records. The record of overdue repayment may make the audit result unfavorable, resulting in the application being rejected or the limit being restricted.

4. Banks or other financial institutions may adjust the credit limit according to the personal credit status. Overdue repayment will increase the credit risk, which may cause banks to reduce the credit limit, thus affecting the monthly payment ability of shopping in Tik Tok.

In short, the overdue credit card has an impact on Tik Tok's monthly payment, including lowering the credit score, affecting the audit results of applying for consumer installment services, and may also lead to the bank's reduction of credit line. Therefore, timely repayment of credit card bills is an important aspect of maintaining personal credit records and using consumer installment services.

Extended data:

China's personal credit system is dominated by the central bank, including credit reports and credit scores. Overdue repayment will be included in the credit report, which will affect personal credit records. Financial institutions will conduct credit audits to control risks when providing various financial services according to personal credit status. Tik Tok's monthly payment is a shopping installment service, and the user's credit is usually reviewed before providing the service, so the overdue credit card will have an impact on Tik Tok's monthly payment.