Depending on the situation, if your credit card is overdue for one year, even if you pay it off now, it may have a certain negative impact on your credit record, but the specific situation will be affected by a variety of factors. .

First of all, credit record is one of the important basis for evaluating personal credit status. Overdue credit card may cause your credit score to drop. A one-year overdue situation is a serious overdue situation. Once the overdue record is entered into the credit report, it will have a greater negative impact on the credit score.

Secondly, it takes a certain amount of time to restore your credit record. Even if you decide to pay off the overdue amount now, the relevant overdue records will remain on your credit report for a period of time, which may have a certain impact on your financial activities such as applying for a loan and purchasing a car or home.

In addition, being overdue for one year may result in the credit card account being frozen or closed. You need to contact the relevant bank to learn the specific procedures and conditions for restoring the account.

To sum up, one year after a credit card is overdue, even if you pay off the overdue amount, the negative impact of the overdue record on your credit score cannot be completely eliminated. In view of the great impact of credit records on personal financial activities, it is recommended that you query credit big data to learn more about the relevant information and tools for credit record recovery.

Extended information:

Credit big data refers to the data resources formed by collecting and analyzing a large amount of personal credit information to evaluate and predict personal credit status. Credit big data can help individuals understand their credit status and assess personal credit risks. It is also an important basis for financial institutions and enterprises to make credit assessments and decisions.

By querying credit big data, individuals can understand their scores on various credit indicators, discover existing problems and take corresponding measures to improve them. In addition, credit big data can also provide services such as industry trends in the credit market, comparison and recommendation of credit products, helping individuals choose appropriate financial products and services, and maintain good credit behavior in daily consumption and loans.

In short, one year after a credit card is overdue, even if the balance is paid off, it may have a lasting negative impact on your personal credit record. In order to better understand your credit situation and credit repair methods, it is recommended that you consult a reliable credit big data platform to obtain more specific and personalized recommendations.