Being 10 days overdue on a credit card may have a serious impact on future loans.

Detailed explanation:

1. Damage to your credit record: Overdue credit card repayments will cause your credit record to be negatively affected. Banks and other financial institutions often look at an applicant's credit history when considering whether to grant a loan. A past due date can lower your credit score and make future loan applications more difficult.

2. Increase in loan interest rates: Even if you can obtain a loan, overdue credit cards may cause loan interest rates to increase. The bank will determine the loan interest rate based on the applicant's credit status. A poor credit record will be considered a high risk, thus increasing the loan interest rate.

3. Impact on credit limit: Overdue credit card repayments may cause the credit limit to be reduced or frozen. Banks may take steps to limit credit limits for overdue borrowers to reduce risk. This will affect the borrower's ability to shop and borrow in the future.

Summary: Overdue credit cards for 10 days will seriously affect future loans. It can damage your credit history, make it more difficult to apply for a loan, and can cause interest rates on loans to rise, as well as limit your credit limit.

Extended information: Overdue repayment usually has different impacts depending on the number of days overdue. Although being overdue for 10 days may have a certain impact on credit history and loans, the specific impact still depends on multiple factors, such as the borrower's overall credit status, loan amount, etc. It is recommended that you try to avoid late repayments under any circumstances, and maintaining a good credit record is crucial for future loan and financial applications.