Yes, a credit card that is overdue for one day will produce a bad credit record, and this record will have an impact on the loan.

Instructions:

1. Overdue credit card records: Banks or financial institutions usually report overdue credit card records to the relevant credit agencies, which will produce bad credit on your credit report Record.

2. Bad credit record affects loans: When applying for a loan, banks usually look at the applicant's credit report to assess their repayment ability and credit risk. Having a bad credit history can lower an applicant's credit score and increase the likelihood of being denied a loan or receiving a higher interest rate.

Summary:

It only takes one day for a credit card to be overdue to cause a bad credit record, and this record will have a negative impact on the loan. Therefore, it is recommended to make timely repayments to avoid overdue payments and maintain a good credit history.

Extended information:

Credit record is an important indicator of personal credit status and has an important impact on applying for loans, purchasing a house, renting a house and other financial transactions. In China, the Central Bank Credit Reference Center is the main credit reporting agency responsible for recording and managing personal credit information. Paying off credit card payments on time to avoid overdue payments will help maintain a good credit history and credit score. This will provide you with more opportunities for future financial activities and obtain more favorable loan terms and interest rates.