We pay the money first and then repay it. The emergence of credit cards has changed many people's consumption concepts and habits, especially now, with cards in hand, they are not afraid to go shopping. The biggest advantage of a credit card is that it can be overdrawn, which is equivalent to spending money later. It can help cardholders to ease the financial pressure and avoid the embarrassing situation of borrowing money from others. But many times, some cardholders can't stop shopping and spend money by credit card. There are also many people who are addicted to online games and spend too much with credit cards. Eventually, I was overwhelmed by the credit card bill, which brought a burden to economic life. And overdue repayment will affect credit. It will be uploaded to the credit center. Then this bad credit record will be kept for 2-5 years. In these 2-5 years, if you want to buy a house or a car, you will be affected by a bad credit record. In most cases, loan approval will be rejected.