If the credit card is overdue, it will not be reported immediately. Major banks will have a grace period, usually 2-3 days. If you repay on time during this period, you will naturally not be reported. But after more than 3 days, the bank will remind you to pay back the money as soon as possible. If you don't pay back the money, the result is a credit report.

After the credit card is overdue, it will cause credit stain on personal credit and affect the application for credit card, loan and other services in the future. Banks are likely to be rejected because of bad credit when examining the qualifications of applicants. In addition, if the overdue time is particularly long and the cardholder is sued by the bank, the cardholder may be included in the list of people who have lost their trust in the country, which may affect daily life, such as not being able to make high consumption, not taking high-speed trains, airplanes, etc.

If our overdue is caused by stolen brush, then we can write a complaint report on overdue application. The issuing bank seals to confirm that there is a stolen brush, and submits it to the credit information center for complaint to eliminate the overdue record.

You can't spend a lot of money after breaking your promise. What's more, things like staying in a hotel by subway plane can't be handled, and some credit cards or loans behind can't be handled, but the children of faithless people are not affected. However, if children want to join some national security or relatively secret jobs and conduct political trials, the bad influence of parents may affect their assessment.

Legal basis:

"Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Persons Executed in Disbelief"

Article 1 If the person subjected to execution fails to fulfill the obligations specified in the effective legal documents, and under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust, and impose credit punishment on him according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.