detailed description:

1. Timely repayment: The most effective way is to pay off the credit card bill on time before the repayment deadline. In this way, overdue interest and late payment fees can be avoided and a good repayment record can be maintained.

2. Apply for waiver: If you really encounter the dilemma of not being able to repay in time, you can contact the issuing bank and apply for partial or full waiver of overdue fees. Some banks will consider the borrower's situation and may agree to reduce some interest and fines.

3. Rebuilding credit: Even if it is overdue, there is still an opportunity to rebuild credit through good repayment performance in the future. Gradually improving the credit score is very important for obtaining better credit conditions and limits in the future.

Summary:

Although the overdue credit card has certain negative effects, the adverse effects on personal credit records can be eliminated by timely repayment, application for relief and efforts to rebuild credit.

Extended information:

- The impact of overdue records on personal credit records usually lasts for a long time, so it is recommended to avoid overdue as much as possible.

- overdue records will be reported to the credit reporting agency, which will have a negative impact on the credit score and may limit the individual's future borrowing ability and interest rate conditions.

- when dealing with overdue issues, it is very important to communicate with banks in time and take active solutions.