No. Overdue credit cards will have a negative impact on personal credit records, and will affect personal loans, credit card applications, etc. Even if the overdue amount is not large, it should be dealt with in a timely manner, shorten the overdue time, and pay off the debt as soon as possible. If a credit card is overdue for a long time, You will be blacklisted by the bank, which will directly affect your personal credit rating. If your credit rating is low, applying for online loans and other loans may be subject to restrictions or high interest rates. Do not apply until your credit rating is restored. Apply for various types of loans easily.