Late repayment will have an impact on your credit history. Specifically, how long the overdue repayment of a credit card will affect the credit record mainly has the following points:

1. The persistence of overdue time: the longer the overdue repayment is, the greater the impact on the credit record. If the overdue time is within one month, the impact on the credit record will be relatively small; but if the overdue time is more than three months, the negative impact on the credit record will be more serious.

2. Frequency of overdue payments: If overdue repayments occur frequently, even if each overdue period is not long, it will still have a negative impact on your credit record. Frequently late repayments are considered irresponsible or a sign of poor credit, which can have a long-term negative impact on an individual's credit record.

3. Whether there is an overdue record: Whether there is an overdue record for overdue repayment is one of the key factors that affects your credit record. If there is no overdue record for overdue repayment, the impact on the credit record will be relatively small; but once there is an overdue record, it will leave negative traces on the credit record and affect the individual's credit status.

To sum up, the impact of overdue credit card repayment on your credit record mainly depends on the length of the overdue period, the frequency of overdue payments and whether there are overdue records. It is recommended that users can go to Netdome Data to query credit big data to obtain more detailed credit record information and understand personal credit status.

Extended information:

Credit record is an important evaluation index, involving personal credit status, repayment ability and lending behavior. Late payment is considered a form of bad credit behavior and will have a negative impact on an individual's credit history. According to China's credit system regulations, overdue repayment records will be displayed on an individual's credit report, and may affect an individual's application and acquisition of loans, credit cards, rentals, etc.

Therefore, in order to maintain a good credit record, individuals should pay attention to repaying their credit cards on time when using credit cards. If you do encounter repayment difficulties, it is recommended to contact the bank promptly and explain the situation, and strive to reach a repayment agreement to reduce the impact on your credit record caused by overdue repayment.

In short, overdue credit card repayments will have an impact on your credit record. The length of overdue time, the frequency of overdue payments and whether there are overdue records are key factors in the degree of impact. It is recommended that users pay attention to their credit records, understand their personal credit status in a timely manner, and maintain a good credit record through normal repayment behavior.