Detailed description:

1. overdue record: if the credit card holder fails to pay the minimum repayment amount or the full bill on time and is overdue 10 days after the repayment period, the bank can report the overdue record to the credit reporting agency.

2. Credit report: The credit reporting agency will record the overdue in the personal credit report, indicating that the cardholder has delayed the credit card repayment.

3. Influencing factors: overdue records have a negative impact on personal credit score, and the decline in credit score may lead to difficulties in applying for loans or credit products in the future. Banks or other financial institutions usually refer to the information in the credit report when deciding whether to provide you with loans or credit.

4. Continuous impact: overdue records are kept in the credit report for a period of time, depending on the situation. If the overdue records are repaired and good repayment habits are maintained, the credit score may gradually recover.

5. Suggestion: Be sure to pay credit card bills on time, develop good repayment habits, avoid overdue phenomena, and maintain a good credit record.

Summary:

Credit card overdue 10 days may have a negative impact on personal credit. If the overdue record is recorded in the credit report, it may lead to a decline in the credit score, which will adversely affect the future credit application. Maintaining good repayment habits is the key to maintaining personal credit.

Extended data:

The specific impact of overdue credit cards on credit reporting varies from region to region and credit reporting agencies. It is suggested to contact relevant financial institutions in time to understand the personal credit status and its specific impact.