it's unlikely, because online loans and credit cards are closely related. if users have overdue in the process of using credit cards, which has caused adverse effects and is reflected in the big data report of credit cards, it will affect the application results of users' subsequent online loans. In addition, in addition to credit investigation, your credit card big data report will also affect the subsequent credit card processing. Therefore, it is necessary to standardize the use of credit cards, and regularly check the details of your credit card use through WeChat search for "card help check", and take timely measures to remedy when abnormalities are found, otherwise the success rate of applying for loans in the future is very low.

overdue credit card solution:

1. If the cardholder forgets to repay the loan and finds that it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center to declare non-malicious arrears. If the overdue time is short, the bank may not count bad records;

2. If the credit card is unable to repay due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center, explain his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to postpone the repayment, and the bank and the cardholder will agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the record of overdue credit card repayment will be kept in the credit information system for two years. If it is found that the card is directly cancelled after the overdue payment, the information will not roll, but will be kept for a long time. Therefore, after the cardholder becomes overdue, it is best not to cancel the credit card immediately, and it is best to stick to it for more than 2 years, and then maintain a good credit record.

Overdue credit cards usually have the following consequences:

1. Expenses such as overdue interest and liquidated damages will be incurred: interest will be calculated from the day when the credit card is overdue, which is generally five ten thousandths of the daily interest, and compound interest will be calculated monthly; The liquidated damages are generally 5% of the unpaid part of the minimum repayment amount.

2. Bad credit record: after the deadline, the personal credit report will produce bad records, which will affect the future loan application.

3. Possible criminal liability: If it is overdue for a long time and the overdue amount is large, you may receive a payment reminder from the bank; If the bank still fails to repay the arrears after being reminded, it may face criminal responsibility.

generally speaking, the impact of overdue credit cards is still relatively large. I suggest that you must repay on time.

If your credit card is about to expire or has already expired, I suggest you call the customer service phone of the bank in time, explain the situation on your own initiative, find out whether you can apply for deferred repayment or reduce the penalty interest, and make repayment as soon as possible.