1. The credit card was overdue five times, two of which happened for two consecutive months. The late payment fee for each payment is about 5 yuan.

2. Impact:

-Continuous overdue will damage the credit record more seriously, indicating poor debt management ability.

-Bad records may lead to a decline in credit scores, and affect future applications for credit loans, renting houses and buying cars.

-For studying abroad, some countries or institutions may require a good credit record, and bad records may have a certain impact on visas, scholarships or other related matters.

3. How to change the bad records of credit cards and reduce the impact on individuals;

-Actively contact the bank to find out the detailed repayment situation and strive for a suitable grace period or repayment arrangement.

-try to avoid overdue again and ensure timely repayment in the future.

-Actively cultivate good credit habits, such as establishing budget, controlling consumption, and using credit cards rationally.

4. Summary: These five overdue credit cards may have a negative impact on personal credit records, and continuous overdue is more serious. When studying abroad, bad records may have an impact on related matters. In order to reduce its personal influence, we should actively cooperate with banks to solve overdue problems and cultivate good credit habits.