Wechat wallet and credit card debit card are two different systems, and there is no direct connection between them. If there is overdue repayment, it will affect the personal credit record, thus affecting the personal credit rating. This may also lead to difficulties when individuals apply for other loan products. In the case of overdue credit cards, banks have the right to recover the loan money through legal means, including sealing up through payment channels of companies such as Alipay and WeChat.