Detailed description:

1. The credit card is overdue for one month, that is, the minimum repayment amount or all payables cannot be paid off before the repayment deadline. After the deadline, the bank will generally report the overdue situation to the credit reporting agency.

2. Credit reporting agencies are responsible for recording personal credit status, and they assess personal credit risk by collecting various credit information. Once the bank reports the overdue record to the credit reporting agency, this bad record will be reflected in the personal credit reporting.

3. Credit report is a reference tool for financial institutions and other stakeholders, which records personal credit records and credit behaviors. Overdue records will have a negative impact on personal credit score, which may lead to a decline in credit rating.

4. The credit rating is calculated according to the information in the personal credit report, which reflects the personal credit status and solvency. Overdue records will be regarded as bad credit behavior, which may make financial institutions doubt personal credit qualifications, such as refusing to grant new credit cards or loan applications.

5. Summary: A credit card overdue for one month will leave a bad record in the credit investigation, which will have a negative impact on personal credit rating and credit qualification.

Extended data:

After one month overdue, the bank may take further recovery measures, such as raising the late payment fee and stopping using the credit line. Therefore, it is recommended to repay the credit card bill on time before the repayment deadline to avoid overdue.

Please note that the above explanation is based on the general understanding of overdue credit cards, and the specific situation may be different due to personal credit card contracts, bank policies or other factors. For accurate information, please consult relevant banks or consult relevant laws and regulations.