Overdue will still have a great impact on your future credit. To give you the simplest example, if you need a loan in the future, the bank will first ask you to file a credit report. If there is an overdue, I'm sorry. , the bank will not provide you with a loan. If your credit card is overdue, it is best to pay it off as soon as possible. If there is no overdue credit card in two years, the bad record will be eliminated. Therefore, you'd better pay off your debts early and spend rationally, and don't let overdue payments affect your future life.