The following is a detailed explanation of this problem:
1. Credit record: The bank will keep your overdue record in your credit report, which is a part of your credit record. Credit history is an important basis for other institutions to refer to when you apply for loans, credit cards or other credit products.
2. Impact on credit score: Overdue records will have a negative impact on your credit score. The credit score is determined by evaluating the indicators in your credit report, including overdue records. A long overdue period and a high overdue repayment amount may lead to a decline in the credit score, thus affecting the approval rate of your future application for loans or credit cards.
3. loan conditions: overdue records may lead to stricter conditions when you apply for loans in the future. Banks or other financial institutions may require you to provide more guarantees or limit your loan interest rate and amount.
to sum up, the overdue record of credit card will have certain influence on the credit score and loan conditions in the future. If you want to know your credit status, you can try to use Green Dog Quick Check to query credit big data. Green Dog Quick Check is a company that provides credit information inquiry service. By inquiring your credit report, you can better understand your credit status and take corresponding improvement measures as needed.
Extended information:
Generally, overdue credit card records will be kept in your credit report for a period of time, and the specific storage time may be different due to regional and banking policies. Banks usually keep overdue records for a period of time, which may be about five years. Therefore, paying off the overdue amount of credit card in time is one of the important factors to maintain a good credit record.
please note that the above analysis is only based on the general situation, and the specific situation may be different due to personal credit records, banking policies and other factors. If you have specific credit problems or doubts, you'd better consult relevant professionals or banking institutions for more accurate and personalized advice.