Overdue credit cards for more than one month may lead to the following consequences:

1. Damage to your credit record: When the credit card is overdue for more than one month, the bank will report it to the credit bureau. Will have a negative impact on personal credit history. Credit record is an important reference for assessing personal credit status. Bad records will affect the approval results of future applications for loans, credit cards and other financial products.

2. Penalty interest and late payment fees: Banks usually charge penalty interest and late payment fees for overdue repayments. Penalty interest is an additional fee calculated based on the overdue amount, while late payment fees are liquidated damages for failure to repay on time. These expenses can accumulate and increase your debt burden.

3. Collection actions: Banks may take collection measures to recover overdue amounts. Collection actions can include calls, text messages or emails, and may even be handled by a third-party collection agency. In addition, the bank also has the right to pursue compensation through legal means, such as court proceedings.

Summary: Overdue credit cards for more than one month will have a negative impact on personal credit records, and will also lead to the accumulation of penalty interest and late fees, and may face collection actions and legal recourse.

Extended information: The specific consequences of overdue credit card repayments may vary depending on bank policies, overdue amount, and overdue duration. It is recommended to contact the bank in time to understand the relevant policies and seek solutions, such as formulating a repayment plan or applying for a grace period.