Specifically, the bank's face-to-face interview is a process in which a person applies for a loan or credit card and the bank examines it. In this process, the bank will evaluate the individual's credit status, income and repayment ability to decide whether to approve the loan or credit card application. Overdue repayment of credit card refers to the situation that the cardholder fails to repay the credit card bill on time.

Although the overdue repayment of credit cards may affect personal credit records and credit scores, it will not directly affect the bank interviews that have been completed before. Face-to-face interviews with banks mainly focus on personal financial situation and repayment ability, rather than short-term repayment.

However, even if the overdue repayment of credit cards does not directly affect the bank face-to-face, individuals still need to pay attention to the time and amount of credit card repayment to avoid damage to credit records. A good credit record has an important impact on future loan and credit card applications.

In a word, face-to-face bank signing and overdue credit card repayment are two independent events. Bank interviews mainly focus on individuals' financial situation and repayment ability, and overdue repayment of credit cards may have a negative impact on individuals' credit records. Individuals using credit cards should pay attention to timely repayment and maintain a good credit record.

Extended data:

Overdue repayment of credit cards will lead to negative impact on credit records, which may reduce personal credit score. Credit score is an index used by financial institutions to evaluate personal credit risk, which has an important impact on financial transactions such as loans and credit card applications. Therefore, the importance of timely repayment of credit card bills to maintain a good credit record and credit score can not be ignored. If there are difficulties in credit card repayment, it is recommended to contact the bank in time to find a solution to avoid adverse effects on personal credit.