1. will affect personal credit information: if it is overdue for one month, there will be bad records in personal credit information, and this record will not be deleted until five years after the debt is paid off, which means that applying for increasing the credit card limit and applying for loans within five years will be greatly affected;

2. It will increase personal liabilities: after the credit card is overdue, the bank will charge interest and late fees. The overdue interest is five ten thousandths of a day, compounded monthly, so the longer the time, the more interest;

3. Possible prosecution: If the credit card is overdue for one month and the bank still fails to repay the loan after repeated collection, the cardholder may be sued by the bank.