If your credit card is overdue but you continue to make small payments, the following impacts may occur:

1. Damage to your credit record: Late repayments will have a negative impact on your credit record. May cause your credit score to drop. Even if you make a small repayment, overdue payments will still be recorded on your credit report and have a negative impact on your credit assessment.

2. Delinquent interest and late payment fees: Overdue credit cards will incur interest and late payment fees. Making small repayments cannot fully repay the overdue amount, and the unpaid portion will continue to accrue interest and late fees, increasing the repayment burden.

3. Collection and legal consequences: Overdue credit cards may cause the bank to take collection measures, such as phone collection, letter collection and even legal proceedings. Although small repayments are made, overdue payments are still considered arrears and the bank may take more stringent measures to recover the debt.

To sum up, even small repayments on overdue credit cards will have a negative impact on personal credit records, increase interest and late fees, and may also face collection and legal consequences. Therefore, avoiding overdue credit cards is an important part of maintaining good personal credit.

Extended information:

According to relevant regulations in China, overdue credit cards have different processing methods in terms of overdue time, overdue amount and personal credit record. The specific processing methods may vary depending on the credit card issuing bank, overdue amount, and repayment status. Therefore, in order to protect your personal credit history, you should make timely repayments to avoid overdue payments.

In addition, for overdue credit cards, it is recommended to communicate with the bank in a timely manner and proactively seek solutions. Some banks may provide overdue repayment relief, installments, etc. to help customers repay. Working with your bank and proactively resolving overdue issues can help reduce the negative impact and restore your credit history.

Please note that the above information is for reference only, and the specific situation may vary depending on personal credit card type, bank policy and other factors. When dealing with overdue credit card issues, it is recommended to consult with the specific card-issuing bank to understand the relevant policies and handling methods.