After the credit card is overdue, the one-time settlement amount should be returned to the card issuer first.

Specifically, there are the following reasons:

First of all, credit cards are financial service products provided by the card issuing bank. Overdue amounts are actually loans from the card issuing bank by the customer, so in After the due date, the repayment should be paid directly to the card issuing bank to fulfill the contractual obligations.

Secondly, the card issuing bank is responsible for managing credit card accounts and assuming risk management responsibilities, including overdue collection work. Therefore, after a one-time settlement, the card issuing bank can update the account status in a timely manner and ensure that the account will no longer be overdue.

In addition, repaying the credit card issuer can maintain the good status of your personal credit record. In the personal credit system, credit records play an important role in personal borrowing, house purchase, car purchase, etc. After settling the amount in one lump sum, returning it to the card issuing bank in a timely manner can avoid adverse effects on your credit record and is beneficial to your future borrowing and credit needs.

In short, the one-time settlement after the credit card is overdue should be returned to the card issuer first. This can fulfill contractual obligations, update account status in a timely manner, maintain a good credit record, and protect personal credit and future borrowing needs.

Extended information:

After the credit card is overdue, if you do not repay it in time, in addition to incurring penalties and late fees, it may also have a negative impact on your personal credit record. According to China's credit system, credit records have an important impact on personal economic activities and credit evaluation. Therefore, proper management of credit card accounts and timely repayment of outstanding debts are an important part of maintaining personal credit.

In addition, due to the high risk of overdue credit cards, the length of overdue time, the amount owed, and the method of repayment will all have varying degrees of impact on personal credit records. Therefore, avoiding overdue payments and making timely repayments is an important part of personal financial management.

It should be noted that the above answer is based on the assumption that the overdue amount does not exceed the individual's repayment ability, that is, there is no difficulty in settling the payment in one go. If an individual is unable to pay off the balance at once, he or she can communicate with the card issuer, negotiate a reasonable installment repayment plan, and start repayment as soon as possible to avoid further accumulation of interest and fees.

The above is the answer to whether the one-time settlement after the credit card is overdue should be returned to the card or go to the card issuing bank. I hope it can be helpful to you.