If the credit card is overdue, it will form a bad overdue record on the cardholder's credit information. As long as the arrears are not paid off, the bad credit records will always be kept in the credit center, and there is no way to manually intervene or delete the credit records.

If the credit card is overdue for more than three consecutive times or accumulated for six times, it will be blacklisted by the bank, which will have a very bad impact on the cardholder's subsequent loan and credit card application.