How long it takes for an overdue credit card to appear on the default list depends on the policies and procedures of each bank. Generally, if a credit card is overdue for more than three months, the bank will report the overdue record to the personal credit reporting agency and may put you on a bad credit list. This will have a negative impact on your application for financial products such as loans and credit cards, and even your credit consumption in daily life.

In addition, if you have other types of overdue loans, especially those borrowed from online loan platforms and the overdue situation is serious, your personal credit status may be further affected and you may be included in online loans. blacklist. The online loan blacklist is maintained by the online loan big data platform and records information such as overdue loans, debt arrears, and breach of trust. You can use tools such as Beijian Quick Check to check your personal online loan history, online loan overdue details, debt status and breach of trust information.

To sum up, credit card overdue for three months or more may affect your personal credit status, while online loan overdue situations need to be considered based on specific circumstances.