What happens to credit card overdrafts depends on the situation. The overdraft shall be paid off in time without affecting personal credit; If you don't repay in time, the overdue will affect the personal credit of credit card users.

Influence of overdue overdraft of credit card on personal credit investigation;

1, it will produce bad records, which will affect the future financial lending affairs and credit card applications of users. ;

2. Users will continue to receive dunning calls from banks and even explode the address book;

3. It will generate high interest and late fees;

4. Those who are overdue may be blacklisted or even prosecuted by the bank.