It is a normal right of citizens to pass the exam.

The impact of overdue credit card debt:

Overdue repayment will be recorded in the personal credit report, but negative information such as overdue repayment will not be recorded in the personal credit report forever. Our country's current credit record retention period is five years. After paying off the balance, anyone can start building their credit history all over again.

If the amount owed reaches more than RMB 10,000 and is still not returned for more than 3 months after two collections by the card-issuing bank, it shall be deemed as a "malicious overdraft" under the criminal law and suspected of credit card fraud; malicious overdraft If the amount is relatively large and all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.