Yes. As long as the credit card is overdue, the credit reporting system will record it as overdue, which will have an impact on personal credit reporting. But as long as the repayment is timely, it will not affect loan and other businesses. The credit card has been overdue three times in a row, and has been overdue a total of 6 times. It will leave a bad record in the eyes of the bank and affect the loan. If a borrower is late on a loan or credit card payment, the bank should also analyze whether the late payment was an accident. If you are overdue occasionally and the time is not long, the bank will still give you a discount, but in some cases, if you are overdue more than three times, it will affect the loan. If a credit card is overdue, it is generally more than 90 days overdue, or the overdue amount is too large. For example, if the overdue amount reaches 5,000 yuan and the bank does not return it, it will be sued. If it is only overdue once and there is no malicious intent, the impact will not be serious. Generally, a bank may sue a credit card if it is overdue for more than three months, because relevant laws and regulations clearly stipulate that when a credit card holder fails to repay the minimum repayment amount for three consecutive months, the credit card issuing bank has the right to file a lawsuit in court.

1. Credit investigation is a Chinese word, which means to collect, organize, preserve and process the credit information of natural persons, legal persons and other organizations in accordance with the law, provide external services such as credit reports, credit evaluation and credit information consultation, and help customers Determine and control credit risks and carry out credit management activities. It comes from "Zuo Zhuan: The Eighth Year of Zhao Gong" The words of a gentleman, so he leaves the body with resentment. Among them, "trust and credibility" means that its words can be verified or verified by credit investigation. Credit investigation is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides external credit information services in accordance with the law. It provides a platform for professional credit reporting agencies to share credit reporting information. In May 2019, the new version of personal credit information will be officially launched, and the length and precision of credit information will be further improved.

2. The corporate and personal credit information system established by commercial banks organized by the People's Bank of China has established credit files for more than 13 million companies and nearly 600 million natural persons in China. In other words, the credit status of these enterprises and individuals engaged in economic and financial activities will be recorded on the "economic ID card" and become a file that will always accompany the enterprise (themselves). If the loan is overdue or there are other violations of the contract, the "economic ID card" will be colored gray. In the future, applying for a loan from a bank may face a more cautious and critical eye. Credit reporting can institutionally constrain the behavior of enterprises and individuals, and is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times and promoted the formation of the concept of integrity through moral criticism. Integrity is a kind of social morality and a basic criterion for interacting with others. Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi and Huizhou merchants, who had dominated Chinese commerce for hundreds of years, were able to rise and dominate. One core is to establish the business philosophy of "integrity-based".