Overdue credit cards will have an impact on your personal credit report. Credit report is an important reference for financial institutions to evaluate personal credit status. It records personal repayment records, credit card usage and other loan information.

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Specifically regarding the impact of credit card overdue, the following are some common situations:

1. Overdue within 30 days:

Credit cards overdue within 30 days will result in the record being Reported to the credit bureau, but the impact is still within the acceptable range and has a small impact on the credit score.

2. 30-60 days overdue:

Credit card bills that are overdue for more than 30 days and have not been returned will further seriously affect personal credit, and credit scores may decline.

3. Overdue for more than 60 days:

If the credit card is overdue for more than 60 days, the credit card account may be transferred to a collection agency, which will seriously affect personal credit and the credit score may drop significantly. This will have a negative impact on future financial and life aspects such as applying for loans, applying for credit cards, renting a house, etc.

Of course, each bank’s regulations may be different regarding overdue payments on credit card statements.

In general, overdue credit cards will have a negative impact on personal credit. It is recommended to pay back in time to avoid the adverse consequences of overdue credit. If you have any questions related to online loan big data, you can inquire through the above methods.