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

1. Credit record damage: A credit card that is overdue for one year will have a serious impact on your personal credit record. Banks and financial institutions will report overdue records to credit reporting agencies, such as the People's Bank of China Credit Reference Center. This will result in a lower personal credit assessment and a lower credit score. A damaged credit record will affect an individual's rights and interests in future financial services such as loans, mortgage applications, and vehicle purchases.

2. High interest and late payment fees: Overdue credit cards will result in high interest and late payment fees. Generally, the bank will calculate the interest payable on the overdue amount according to the agreed interest rate. At the same time, late payment fees will also be charged according to relevant regulations, which will make the already late payment even higher. If you are overdue for one year, the accumulated interest and late fees may increase exponentially, causing a heavy burden on personal finances.

3. Judicial recovery and legal consequences: If the credit card debt is not repaid one year after the due date, the bank or financial institution may take legal measures to recover the credit card. Common methods include transferring the debt to a third-party credit reporting company or law firm for recovery, or even suing the debtor through court. Once it enters the judicial process, it may result in the freezing of the property of the person subject to execution, restrictions on high consumption, and an impact on personal reputation.

To sum up, being overdue for one year on a credit card will result in damage to your personal credit record, high interest and late fees, and the possibility of facing judicial recourse and legal consequences. Therefore, when using a credit card, be sure to repay on time to avoid overdue payments. Maintaining a good credit record will have many benefits for personal finance and life.

Note: The above answers are for reference only. Specific results may vary depending on personal circumstances and relevant policies. Please consult relevant professionals based on the actual situation.