If the credit card is overdue and the repayment fails, the following may be the case:

1. The account is frozen: If the credit card is overdue and the repayment is not made, the bank has the right to freeze the credit card account. While the account is frozen, repayment operations cannot be performed. This may be due to the long overdue period of credit cards and the measures taken by banks to protect their own interests.

2. Overdue beyond the repayment period: Each credit card account has a certain repayment period. If the full payment is not repaid within this period, the bank may mark the account as overdue. Once the repayment period is overdue, even if the repayment is made, there may still be situations where the repayment cannot be credited.

3. Banking system problems: Sometimes, the inability to deposit funds may be due to problems in the banking system. In this case, it is recommended to contact the bank customer service for help and solve the problem.

To sum up, if the credit card is overdue and the repayment fails, it may be because the account is frozen, the repayment period is overdue, or there are problems with the banking system. If you encounter this situation, it is recommended to contact the bank customer service in time and ensure that the debt is paid off in time to avoid adverse effects.

Extended information:

The consequences of overdue credit card repayment may include damage to your credit record, overdue penalty interest, overdue fees, impact on your credit report, and cancellation of credit limits by banks, etc. Therefore, it is very important to pay off your credit card bills on time.

In addition, in order to avoid the situation where credit card payments are overdue and unable to be credited, you can take the following measures:

- Set up automatic repayment in advance: set up a credit card through the bank's automatic repayment service The full repayment amount will be automatically debited from your bank account before the bill is due to ensure on-time repayment.

- Monitor credit card bills: Check credit card bills regularly to understand the bill due date and repayment amount to avoid late repayment.

-Set repayment reminders: Set repayment reminders through banks or mobile banking APPs to ensure timely repayment.

- Avoid consumption that exceeds repayment capacity: plan consumption reasonably to ensure full repayment within the repayment period.

In short, the failure to repay the credit card after the due date may involve account freezing, exceeding the repayment period or banking system problems, etc. In order to avoid this situation, you should repay your credit card in a timely manner and take appropriate measures to manage your credit card account and maintain a good credit record.