Overdue credit cards will have an impact on future credit card applications. Specifically, an overdue credit card may have a negative impact on your credit history, affect your credit score, and may limit or make it more difficult to apply for a credit card in the future.

First of all, overdue credit cards can have a negative impact on your credit history. Banks and financial institutions will record personal credit card repayments. Once overdue, a bad record will be left in the credit record, which will have a negative impact on personal credit. Other financial institutions will investigate an individual's credit record when applying for a credit card. If overdue records are found, it may have a negative impact on the individual's credit evaluation, leading to a reduction in credit status.

Secondly, overdue credit cards will also affect your personal credit score. Credit score is an indicator to evaluate credit status based on an individual's credit record, and is evaluated through a scoring agency. Overdue credit cards will be considered bad credit behavior by the scoring algorithm, causing a decrease in your personal credit score. The level of personal credit score is directly related to the application for credit card limit and the setting of credit interest rate. If your personal credit score is low, it may reduce your ability to apply for credit cards in the future and increase the possibility of higher credit interest rates.

Finally, an overdue credit card may limit or make it more difficult to apply for a credit card in the future. Banks and financial institutions will evaluate an individual's credit status when applying for a credit card. Overdue credit cards will be one of the main reasons for rejection or difficulty in approval. Overdue records will cause the bank to question the individual's repayment ability and credit status, and thus strictly review the credit card application, or directly reject the application.

To sum up, overdue credit cards will have a negative impact on future credit card applications. It may have a negative impact on a person's credit record, affect his or her credit score, and limit or make it more difficult to apply for a credit card in the future. Therefore, timely repayment is an important part of maintaining a good credit record and avoiding the negative impact of overdue payments on personal credit.

Extended information: According to the relevant regulations of the People's Bank of China, domestic credit cards that are overdue for more than 90 days will be included in the credit reporting system of the People's Bank of China and become part of the personal credit record. This information may be consulted and used by other financial institutions and credit bureaus. In addition, domestic banks and financial institutions have the right to decide whether to approve people's applications for credit cards, limit sizes and other credit-related services based on an individual's credit status. Therefore, it is very important for people who use credit cards to maintain a good repayment history and a high credit score.