today's information development is very fast, and it has entered an era of rapid development of information technology. Generally speaking, after the final payment date of the current bill, there will be a situation that the next bill has not been paid back, which is called overdue. Generally, the overdue credit card will affect the cardholder's personal credit information. What if the credit card is overdue for six or seven years?

users who are overdue for 7 years need to pay back in time, and then pay back the fine and liquidated damages together. When unable to repay due to unemployment, illness and other reasons, cardholders must get in touch with the bank in time and take the initiative to repay when they have funds. If the credit card is overdue for seven years, personal credit information will definitely be affected. Users need to use this credit card to spend money after repayment, and it is best to cover the overdue record with a good credit card record.

However, under normal circumstances, it is impossible for a credit card to be overdue for seven years, because according to the regulations of the bank, if it is overdue for more than 9 days, the bank will call for payment, and if it continues to default, the bank will take legal measures such as prosecution to deal with it. Therefore, it is recommended that everyone must repay on time after using the credit card. Even if it is difficult to repay in time, it is best to negotiate with the bank.