Generally speaking, one overdue credit card will not affect the loan, but serious overdue will affect the application for mortgage and car loan. Individual banks may require customers to provide mortgages and guarantees, or they may reduce the loan amount, raise the loan interest rate, or even refuse loans. Therefore, in addition to timely and full repayment after the borrowing behavior, we should also develop the habit of checking our credit records regularly. At the same time, don't think that closing the account immediately after repayment can clear the stain. On the contrary, at this time, the account cancellation will also lose the opportunity to repair the overdue repayment record.

The correct way is to use this credit card normally after the stain occurs, spend more, repay in full and on time, and constantly repair the credit. Because banks judge a person's credit status, the focus is on recent credit transactions. If the repayment is overdue only occasionally, it will be repaid in full and on time, which has little impact on personal credit.

In addition, if it is difficult to repay all the payables before the due repayment date (inclusive), the repayment can be made according to the minimum repayment amount stipulated by the issuing bank, so that personal credit will not be affected. The calculation method of the minimum repayment amount of a credit card is the minimum repayment amount = 10% consumption balance+10% cash withdrawal balance+interest balance+other payable expenses balance+the unpaid part of the minimum repayment amount in the previous period. If repayment is made according to the minimum repayment amount, the card issuer will only charge the loan interest from the bank bookkeeping date to the repayment date at the daily interest rate of 0.5%, and the loan interest will be compounded monthly.