If your credit card is past due and becomes a bad debt, you still need to pay off the debt. Specifically, when an overdue debt becomes a bad debt, the following situations will occur:

1. Damage to your credit record: After overdue, the bank will report your credit record to the credit reporting system of the People's Bank of China, which will affect your The ability to apply for loans, handle credit cards and other credit services in the future.

2. Collection and recovery: The bank will take a series of collection measures, such as frequently reminding you of repayment through text messages, phone calls, etc., and may entrust a third-party collection company to recover. During the collection process, you may face accumulation of interest on overdue repayments.

3. Risk of legal action: If you fail to repay for a long time, the bank has the right to take legal measures to recover the debt. This may result in you not only having to repay the principal and interest owed, but you may also incur additional legal costs.

4. Credit card cancellation: The bank has the right to decide whether to cancel your credit card and fully disclose the information to other financial institutions so that other institutions can evaluate your credit risk.

In summary, turning a credit card into a bad debt after it is overdue is a bad credit record, which will have a serious impact on personal credit and financial activities. Therefore, you still need to work hard to repay the loan after it is overdue, and actively communicate with the bank to avoid falling into a credit crisis.

Extended information: According to the regulations of the People's Bank of China, credit cards that are overdue for more than 6 months will automatically become bad debts. Different banks may have different ways of dealing with overdue payments, but they usually take collection measures and have the right to take legal measures to recover arrears. Therefore, for credit card repayments, it is recommended to try to avoid overdue payments. If you do encounter difficulties, you should contact the bank in time to seek reasonable repayment arrangements.

The above is the answer to what will happen if a credit card becomes a bad debt after it is overdue and what are the requirements for repayment. Hope this helps!