In addition to charging penalty interest for overdue credit cards, overdue records will also be uploaded to the People's Bank of China's credit reporting system, which will have an impact on your daily life in the future. The following is how to check the overdue credit card, taking China Construction Bank as an example.

1. Online banking query: Log in to personal online banking and in the credit card section, the system will automatically identify overdue customers and prompt the customer that the current credit card is overdue.

2. Website query: Customers can log in to the CCB Credit Card Center to query. If the credit card is overdue, there will be an article on the homepage of the website to remind customers.

3. Mobile APP query: Log in to the mobile banking APP, click on the upper right corner, select Messages - Account Manager, and check whether there is any overdue push information. You can also check the specific overdue time, overdue amount and other information in the transaction details.