1. As long as there is an overdue repayment record in the overdue credit card credit record, it will have a certain impact on personal credit. However, personal credit reports do not permanently record past due information. As long as the overdue person has paid off his debt and maintained a good credit record for 5 years, anyone can restart his credit record. Although overdue records will be kept in the credit report for 5 years, as long as the conditions are met, the overdue records that have been paid off will not affect the borrower's loan or credit card application: If the borrower is overdue for no more than three months, as long as the borrower is repaying You can maintain a good credit record for half a year after clearing your debt.

2. After paying off the balance for half a year, the borrower can reapply for a loan or a credit card. If the loan is overdue for more than three months, the borrower must maintain a good credit record for two years after paying off the debt. Two years after paying off the balance, the borrower can reapply for a loan or apply for a credit card. It is worth noting that overdue records after 5 years are deleted, which means that overdue records in the credit report are only retained for 5 years. Overdue records in the bank database are retained for life. As long as the bank wants to inquire, it can find overdue records at any time. However, in order to give borrowers a chance to reform, banks will not inquire about borrowers’ overdue records from many years ago.

1. Late repayment after a credit card overdraft is a breach of contract. The bank can require the cardholder to repay the principal, overdue interest, overdue fines, over-limit fees, etc.; if the bank sues in court and wins, the cardholder will also bear the litigation costs. Secondly, if the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay it overdue, which constitutes the crime of credit card fraud, he will also bear criminal liability. Finally, overdue credit will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loans and other activities. The borrower shall repay the loan within the agreed period. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined in accordance with the provisions of Article 61 of this Law, the borrower may return the loan at any time; the lender may urge the borrower to return the loan within a reasonable period of time.

2. Article 207 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the contract or relevant national regulations. If the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated based on the actual borrowing period. Article 196 of the People's Republic of China and the Criminal Law of the People's Republic of China. Credit card fraud involves one of the following circumstances, and the amount is relatively large. , shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than 10,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the person 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, and be sentenced to confiscation of property .