How overdue credit card annual fees will affect your credit report are as follows:

1. Repay in time. When you find that it is overdue, you should pay off the debt immediately to avoid worse consequences for your credit report. Influence. If all outstanding debts are paid off within one month of the overdue date, no adverse record may be created or the record may be deleted.

2. Contact the bank proactively. The bank provides time tolerance service. Usually, the credit report center will not go to the credit reference center if it is overdue for less than 3 days.

3. Establish a good credit record: In addition to solving the current overdue problem, you also need to continue to maintain a good repayment record to gradually repair your credit, pay off your credit card bills in a timely manner, avoid overdue payments, and do not apply for excessive credit cards. Behaviors such as this will help establish a good credit record.

4. Apply for credit record repair: If the bank fails to delete bad information from overdue records, you can submit an application to the credit agency, explain the overdue situation, and provide communication records with the bank as evidence. If the credit report If the center recognizes that the situation is genuine and the credit standing is good, the bad records may be deleted or repaired.