Detailed description:

1. Credit card is a financial instrument. When using a credit card, the cardholder needs to repay the loan according to the agreed time. If the repayment fails to exceed the agreed time limit, it shall be deemed as overdue. Credit card overdue behavior belongs to credit default, which will have a negative impact on personal credit record.

2. Overdue credit cards will lead to the formation of personal dishonesty records. Banks and other financial institutions will submit personal credit information, including overdue credit cards, to the Credit Information Center of the People's Bank of China. Once there is a record of overdue credit card in personal credit record, it will have an adverse impact on personal credit rating.

3. The record of dishonesty will have a serious impact on personal life and financial activities. Credit record is an important basis for evaluating personal credit level. The record of dishonesty will be used by other financial institutions, renting houses, employment and business partners, which may lead to the failure to obtain loans, renting houses and employment opportunities.

Summary:

Overdue credit card is an act of dishonesty, which will have a negative impact on personal credit records and then have a serious impact on personal life and financial activities.

Extended data:

China's credit information system is managed by the Credit Information Center of the People's Bank of China, which collects, summarizes and sorts out personal credit information to form a personal credit report. Credit card records with overdue repayment rate exceeding 90 days will be submitted to the credit information center and become part of personal credit report. In addition to overdue credit cards, loans, installment payments and other credit products will also have an impact on personal credit records.

The evaluation basis of personal credit records includes overdue, breach of contract, amount owed and solvency. The negative impact of overdue credit cards on credit records is relatively large, because credit cards, as a recycling consumption tool, have a higher overdraft limit and the overdue situation will be more obvious.

When individuals use credit cards, they should repay on time to avoid overdue, and keep good repayment records to maintain their credit level and reputation.

The above is the answer about the overdue credit card.