Yes, an overdue credit card will cause the bank card to be frozen and have a negative impact on your credit history and personal finances.

First of all, overdue credit cards will cause bank cards to be frozen. When credit card holders fail to repay their credit card bills on time, banks have the right to take measures to restrict the use of their accounts. This means that transactions such as payments, withdrawals and transfers cannot be made through the card until the outstanding balance is paid off or the conditions of the repayment agreement are met.

Secondly, overdue credit card freezes will have a negative impact on your credit record. Credit history is an important reference used by banks and other financial institutions to evaluate an individual's credit status. Late payments are recorded on your credit report and are considered bad credit behavior. This will lower an individual's credit score and affect future eligibility and interest rates for loans, credit cards and other financial products.

Finally, an overdue credit card can have a negative impact on your personal finances. Late payments can add to the outstanding debt, accumulating hefty interest and late fees. During overdue periods, cardholders are responsible for additional charges and may face legal action and collection actions. This will further increase personal financial burdens and cause problems in daily life and future planning.

To sum up, overdue credit cards will freeze the bank card and have a negative impact on credit history and personal finances. In order to maintain a good credit profile and a healthy financial situation, when using a credit card, you should make sure to repay your balance on time and avoid late payments.

Extended information: According to the regulations of China UnionPay, the handling of overdue credit cards may be different. Generally speaking, the longer the overdue period, the higher the possibility of freezing the bank card. Individuals should contact the card-issuing bank promptly to learn about specific overdue procedures and remedial measures. In addition, late repayments not only have a negative impact on personal credit history, but may also affect future credit limits and interest rate conditions. Therefore, it is important to manage your credit card usage responsibly.