A credit card that is one month overdue is a serious situation and requires corresponding measures to be taken. The following is a detailed explanation:

1. Impact on credit record: One month overdue credit card will have a negative impact on personal credit record. Banks will report overdue records to credit bureaus, which may lead to a decline in credit scores and have a negative impact on future loan applications, home purchases, etc.

2. High interest and late fees: Overdue credit cards will bring high interest and late fees. Usually banks will charge a certain percentage of late payment fees based on the overdue time and overdue amount, and calculate overdue repayment fees based on interest higher than the normal interest rate.

3. Solution:

a) Make repayment as soon as possible: The first step is to pay off the debt as soon as possible to reduce further losses caused by overdue payments. Contact the bank to find out the specific amount of the overdue payment and ensure timely repayment.

b) Communicate with the bank: If you have difficulty repaying in time, it is recommended to communicate with the bank. Some banks may be willing to offer suitable repayment arrangements or the option to defer payments.

c) Establish good repayment habits: In order to avoid future overdue situations, it is recommended to ensure timely repayment and be prepared to reserve a balance before the monthly repayment date.

Summary:

Being one month overdue on a credit card is serious and may have a long-term impact on a person's credit history and financial situation. Therefore, it is crucial to take timely measures to resolve overdue issues and establish good repayment habits.

Extended information:

According to the regulations of the China Banking Regulatory Commission, after a credit card is overdue for a certain period, the bank has the right to take legal measures to recover the debt, and may even include the overdue record in The list of "dishonest persons subject to execution" will have a more serious impact on personal credit. Therefore, it is necessary to properly handle the issue of overdue credit cards as soon as possible.

Please note: The above information is for reference only. Specific solutions and consequences may vary depending on personal circumstances, bank policies, etc. It is recommended to contact the bank promptly and seek professional advice when encountering overdue issues.