Yes.

1. This is called credit card collection. In credit card collection, it belongs to the M2 period and is a continuation of M1, that is, between the third bill date of unpaid debt and the last payment date of the third bill, it has a greater impact on credit history. There will be stains on the credit record in the banking industry, which will have a great impact on future loans and finding a job in a larger company.

2. Overdue credit cards will not go directly to the debtor's home, but there will be collection staff to urge the debtor to repay. You must actively repay your credit card after it is overdue, otherwise your credit record will be affected.