No impact.

Credit cards are issued by employees individually and have nothing to do with the company. If the loan cannot be repaid when due, the employer does not need to bear legal responsibility for the personal loan of the employee. If a false income certificate is issued and the employee is unable to repay the loan, the company must bear a certain amount of compensation. The proportion of liability is determined based on the size of the fault.

Serious consequences of overdue credit cards:

1. Overdue interest and late payment fees;

2. Bad credit record;

3. The bank will demand collection and may face criminal issues.

Solutions for overdue credit cards:

If the cardholder forgets to repay the card and discovers it is overdue, he or she must pay it back as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious.

If you are unable to repay on time due to unemployment or illness, before the final repayment deadline, state your financial situation and declare that you do not owe money maliciously, and you can apply for delayed repayment and interest discounts.

And if you forget to repay due to usual carelessness, you must repay in full as soon as possible after it is overdue, preferably in full, because after repaying in full, call the bank to explain that it is not a malicious debt. Requesting to delete overdue records has the best chance of winning.

Legal basis:

"Regulations on the Administration of the Credit Reporting Industry"

Article 16

Credit reporting agencies’ handling of adverse personal information The retention period is 5 years from the date of termination of the bad behavior or incident; if it exceeds 5 years, it shall be deleted. During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.