Overdue credit card is a bank credit problem, which will have an impact on bank lending, but it also depends on the number of times you expect, the amount, and whether it is maliciously defaulted.

Overdue credit cards will have the following consequences:

1. Credit card late payment fee: The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.

2. Overdue interest: After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the daily interest rate of the cycle is as high as five ten thousandths, that is, the annual interest rate will reach 18%.

3. Bad credit records: The overdue repayment records of credit cards will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.

4. Criminal liability for malicious overdraft: if the overdue amount is large, the bank will directly sue the cardholder for the crime of credit card fraud and malicious overdraft and request the court to enforce it.