Admittedly, banks are not idiots. Your so-called overdue card has actually paid off the debt, so it won't affect your current card use. Of course, credit reporting will have a slight impact, but it will have little impact. Even if it is overdue, it depends on how long you are overdue. 1 week and 2 weeks can be ignored. What really attracts attention is that it is more than three months overdue. If it is overdue for more than three months and not more than three times, it is no problem to collect credit.

Hope to adopt.