A credit card that is overdue for one year will have the following consequences:

First of all, your credit history will be negatively affected. Banks and other financial institutions report past dues to the National Credit Information Center, which will be recorded on your credit report. A year's worth of credit cards that are past due will significantly lower your credit score and may make it difficult for you to obtain loans, credit cards, and other financial services.

Secondly, you may have to pay hefty late fees and penalty interest. When your credit card is overdue, the bank will charge you late fees and penalty interest as stipulated in the contract, and these fees are often higher. If the loan is overdue for a long time, fees will accumulate, increasing your repayment pressure.

Also, your credit card account may be closed. The bank has the right to decide whether to terminate your credit card service, especially if you have been overdue in repayments for a long time. Once the account is closed, you will not be able to use the credit card again, which may cause inconvenience for some occasions that rely on credit cards for payment.

To summarize, being one year past due on a credit card can have a long-term negative impact on your financial situation and credit history. In addition to affecting your credit score and credit history, you may need to pay high late fees and penalty interest, and face the risk of having your credit card account closed. Therefore, you should do your best to repay your loans on time to ensure a good credit record and financial status.

Extended information:

According to the "Consumer Rights and Interests Protection Law of the People's Republic of China", banks are obliged to provide consumers with adequate credit card services when providing them with credit card services. information, and clearly inform you of the consequences of late repayment and related fees. In addition, according to China's credit system, credit history also has an important impact on home buying, renting, employment, etc. Therefore, it is recommended that everyone use credit cards rationally to ensure timely repayment and avoid problems caused by overdue payments.