[Chinese answer] Overdue credit cards will have a negative impact on personal credit records, which may lead to a decline in credit scores, reductions in credit limits, increases in interest rates, or even forced repayment. If it is overdue, it is recommended to contact the bank in time to understand the specific overdue interest and penalty amount, and repay the debt as soon as possible. At the same time, you can also apply for deferment of repayment, installment payment and other measures to relieve financial pressure. If the overdue period is long, the bank may initiate legal proceedings and take measures such as forced repayment. In this case, the personal credit record will be more seriously harmed. If the repayment is not made in time, the person may be listed as a "dishonest person subject to enforcement", which will have a long-term impact on the personal credit record. Therefore, in order to maintain your personal credit record, you must pay attention to the repayment date of your credit card bill to avoid overdue payments. If you do have difficulties, communicate with the bank promptly and try to find a reasonable repayment solution. [English answer]Credit card delinquency will have adverse effects on personal credit records, such as reducing credit scores, decreasing credit limits, increasing interest rates, and even being forced to clear debts.If delinquency occurs, it is recommended to contact the bank in time to understand the specific interest and fine amounts, and repay the arrears as soon as possible. At the same time, measures such as applying for deferred repayment and installment payments can also be taken to alleviate economic pressure.If the delinquency time is long, the bank may initiate legal procedures and take measures such as compulsory debt clearing. In this case, personal credit records will be more severely damaged. If the repayment is not made in time, it may also be listed as a \"dishonest debtor\" , which will have a long-term impact on personal credit records. Therefore, in order to maintain personal credit records, it is necessary to pay attention to the repayment date of credit card bills and avoid delinquency. If there are indeed difficulties, it is necessary to communicate with the bank in time and try to seek reasonable repayment solutions.