Yes, and it has a great impact, which will directly affect your future loan. If the circumstances are serious, your loan qualification may be cancelled. I suggest you pay it off as soon as possible, including some private P2P companies, which will also affect your inability to borrow money there. I have a friend who did not pay back the credit card on time, but failed to make it up later. It is recorded in your credit record directly, and it is impossible to apply for a loan in Fubao.