It is not serious to have a credit card that is overdue once. First, being late on a credit card once will not have a permanent negative impact on your credit history. Secondly, after it is overdue, you can pay off the overdue amount in time and negotiate with the bank to avoid further defaults. Finally, if your credit card is overdue once, it will not be included in the list of personal bad credit records. It will only be included if it is overdue multiple times or the overdue amount is large.

First of all, one overdue credit card will not have a permanent negative impact on your credit history. When overdue occurs, the bank will notify the cardholder to repay as soon as possible and give the cardholder an opportunity to repay within a certain period of time. If the cardholder pays off the overdue amount within the stipulated time, the overdue credit card record will not be recorded in the personal credit record, so it will have less impact on the personal credit evaluation.

Secondly, cardholders can negotiate with the bank and seek adjustments to repayment methods if their repayment ability is limited. Usually, banks will provide some flexible repayment plans based on the cardholder's repayment ability and current situation, such as installment repayment, reduction of some fees, etc. Cardholders can actively communicate with the bank and try to avoid further defaults to maintain a good credit record.

Finally, one overdue credit card will not be included in the list of personal bad credit records. Only if you are overdue multiple times or the overdue amount is large, you may be included in the personal bad credit record by the bank. Therefore, for the case of only one overdue payment, the bank's impact on the individual's credit assessment is limited.

To sum up, it is not serious to have a credit card overdue once. When an overdue payment occurs, the cardholder can repay the loan promptly and negotiate with the bank to avoid further defaults. Personal credit history generally will not be permanently negatively affected by one overdue payment. However, cardholders should still use credit cards carefully, plan their consumption reasonably and repay on time to maintain a good credit record.

Extended information: Credit card overdue refers to the cardholder's failure to repay the amount owed on time after the credit card bill payment date. Overdue payments may result in the accumulation of interest and additional penalties for cardholders, and will also have an impact on personal credit records. However, for a credit card that is only overdue for a small amount, its impact on one's credit assessment is relatively small. However, cardholders still need to maintain good credit habits and properly manage their credit card bills before the repayment date to avoid late repayments.