yes. As long as the credit card is overdue, the credit information system will record an overdue, which will have an impact on personal credit information. But as long as the repayment is timely, it will not affect the loan and other businesses. The credit card has been overdue for 3 consecutive times, with a cumulative overdue of 6 times. It will leave a bad record in the eyes of banks and affect loans. If the borrower repays the loan or credit card overdue, the bank should also analyze whether the overdue is an accident. If it is overdue occasionally for a short time, the bank will still give preferential treatment, but in some cases, if it is overdue for more than three times, it will affect the loan. If the credit card is overdue, it is generally overdue for more than 9 days, or the overdue amount is too large. For example, if the overdue amount reaches 5 yuan, the bank will be sued if it does not return it. If it is only overdue once and there is no malicious overdue, the impact is not serious. Generally, a credit card can only be sued by a bank if it is overdue for more than three months, because the relevant laws and regulations clearly stipulate that when the credit card holder fails to repay the minimum repayment amount for three consecutive months, the credit card issuing bank has the right to bring a lawsuit to the court.

1. Credit investigation is a Chinese word, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing external services such as credit reports, credit evaluation and credit information consultation, helping customers to judge and control credit risks and carry out credit management activities. From the gentleman's words in "Zuo Zhuan Zhao Gong Eight Years", so he resented leaving his body. Among them, "faithfulness and faithfulness" means that its words can be verified or verified by credit investigation. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit information. In May 219, the new version of personal credit information will be officially launched, and the length and fineness of credit information will be further improved.

2. The credit information system for enterprises and individuals established by commercial banks organized by the People's Bank of China has established credit files for more than 13 million enterprises and nearly 6 million natural persons in China. In other words, the credit status of these enterprises and individuals engaged in economic and financial activities will be recorded on the "economic identity card" and become the file that will always accompany the enterprise (itself). If loans overdue violates the contract, the "economic identity card" will be grayed out. In the future, applying for loans from banks may face more cautious and critical eyes. Credit investigation can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality, and it is the basic principle of communication with people. Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants, who once dominated China's commerce for hundreds of years, were able to rise and dominate. One core is to establish a "honesty-oriented" business philosophy.