Yes, after the credit card is overdue, you can only repay the principal to the bank.

Details:

1. Overdue repayment refers to the failure to repay all the repayments before the due date of the credit card bill. If a credit card is overdue, banks typically charge the cardholder late fees and interest.

2. The law does not stipulate that all overdue debts must be paid off. Cardholders can choose to repay only the principal, but are still responsible for late payment fees and interest.

3. Cardholders who only repay the principal may have a negative impact on their credit history, affecting their personal credit rating and future loan applications.

4. If you cannot repay the entire debt at once, it is recommended to contact the bank to discuss installment payment or other repayment arrangements. This can reduce the burden of late fees and interest and maintain a good credit history.

Summary:

After the credit card is overdue, you can choose to only repay the principal to the bank, but you will be responsible for the payment of late fees and interest. This move may have a negative impact on a person's credit history, so it is recommended to negotiate a repayment arrangement with the bank to reduce additional fees and maintain good credit.

Extended information:

Overdue credit cards will have a long-term impact on personal credit, which may lead to a decline in credit ratings and limit personal borrowing capabilities and other financial services. Therefore, paying off all outstanding debts on time is one of the important ways to maintain good personal credit. Banks usually report overdue records to credit bureaus, which will have a negative impact on future loan applications, home purchases, etc. Therefore, when using a credit card, you must develop a good habit of repaying your credit card on time to avoid late repayment.

In addition, according to Chinese laws, when banks charge late fees and interest from cardholders, they need to calculate them in a reasonable manner and clearly stipulate relevant fees in the credit card contract. If the cardholder has objections to the bank's charges, he or she can communicate with the bank and request a detailed breakdown of the charges. At the same time, cardholders can also consult consumer rights protection organizations or relevant departments to understand their own rights and repayment responsibilities.