Overdue for nine consecutive months may have the following effects on your credit card: First, your credit card account will be marked as overdue, which will have a negative impact on your personal credit history. Secondly, credit card companies may take some measures to recover overdue payments, such as raising interest rates, collecting late fees and limiting credit lines. Finally, long-term continuous overdue may also lead credit card companies to take legal action, including reporting overdue records to credit reporting agencies and entrusting lawyers to collect them.

Detailed description:

1. Personal credit record is damaged: if it is overdue for nine months in a row, the credit card account will be marked as overdue, which will leave a bad record in your personal credit record. Credit record is an important basis for financial institutions and banks to evaluate your credit status. Overdue records will lower your credit score and adversely affect future loan and credit card applications.

2. High interest and late fees: Credit card companies may adjust your credit card interest rate according to overdue conditions. If it is overdue for nine months in a row, the interest may go to by going up one flight of stairs, which will cause you to pay more interest fees. At the same time, credit card companies will also charge late fees as agreed, which is a punishment for overdue behavior.

3. Limit the credit limit: In order to reduce the risk, the credit card company may limit your credit card limit, which means that you may be severely restricted in subsequent consumption and cannot enjoy a higher credit limit.

4. Legal action: A continuous overdue period of nine months may cause the credit card company to take legal action. Although it is impossible to specifically mention the legal provisions, credit card companies can report your overdue records to credit reporting agencies, which will have a negative impact on your future credit lending. In addition, credit card companies can also entrust lawyers to collect overdue payments, including recovering outstanding debts through legal channels.

Summary:

Overdue for nine months in a row may lead to the damage of your personal credit record, the increase of credit card interest rate, the increase of late payment fee, the limitation of credit limit and possible legal proceedings. So try to avoid overdue credit cards to maintain a good credit record and personal financial situation.

Extended data:

If you can't repay your credit card because it is overdue, you can consider negotiating with the credit card company to make a repayment plan, or consulting a professional debt management agency. In addition, developing good consumption and repayment habits and avoiding the abuse of credit cards can effectively reduce overdue risks.

Note: The above answers are for reference only, and the details still need to be determined according to the contract agreement between you and the credit card company, the relevant laws and regulations in China and the specific policies of the credit card company. In order to avoid legal and financial risks, please consult professional credit reporting agencies or legal advisers in time when facing the problem of overdue credit cards.