Legal analysis: basically no impact. Because overdue credit cards have nothing to do with social security cards, after all, overdue credit cards affect personal credit records, but paying social security will not check credit information. As long as you meet the requirements for social security and have the money to pay social security, you can apply, and those who pay social security can get social security cards. Overdue credit cards will affect the normal use of credit cards and may be frozen and deactivated; If it is overdue, it will be blacklisted by the bank and become a black account, and you can't apply for a loan directly in the future; It will also have an impact on the loan amount for buying a house and car in the future. If you don't pay back the money, you may be sued by the bank and may even constitute a crime of credit card fraud.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.