detailed description:
1. Credit score: overdue credit card payment may lead to a decline in credit score. Credit rating agencies (such as personal credit reporting agencies) record overdue information in your credit report, which may reduce your credit score. A low credit score may increase your risk of being rejected when applying for loans, credit cards or other credit products in the future.
2. credit history: overdue credit cards will leave a negative record. Even if you have settled the overdue CITIC credit card, the overdue record will still remain in your credit report for a period of time. Other credit institutions may take such negative records into account when approving your application, which will have an impact on your application results.
3. Lending ability: Overdue repayment may affect your lending ability. Banks or financial institutions will consider your repayment ability and credit status when reviewing your application. Overdue credit card repayment may have a negative impact on your borrowing ability, making it difficult to apply for loans or credit cards in the future.
Summary:
The settlement of CITIC Credit Card overdue for 13 days will not directly affect other credit cards. However, overdue credit card repayment may have an indirect impact on your credit score, credit history and lending ability. It is suggested that you always repay the loan on time and keep a good credit record to ensure better loan conditions and credit product approval results.
Extended information:
The competition in China's credit card market is fierce. Banks and financial institutions usually consider many factors when approving credit applications, including the applicant's income, job stability, credit history and other factors. Overdue credit cards will have a negative impact on these aspects, so it is recommended to repay in time to maintain personal credit. For more information about credit cards, please consult your local bank or financial institution.