1. Credit card repayment records that are overdue for one year will be recorded in personal credit report by banks or third-party credit reporting agencies, which will have a negative impact on personal credit rating.
2. Personal credit rating is one of the commonly used reference bases for banks, airlines, railway stations and other institutions to provide services. Low credit rating may make it impossible to buy air tickets and high-speed rail tickets.
3. Even if tickets can be bought, a credit record overdue for one year may limit an individual's emergency financial support in case of emergency during travel, such as travel insurance or other extra expenses.
Summary: If the credit card in Bai Hua is overdue for one year, the personal credit rating may be damaged, and the ability to purchase air tickets from other provinces is limited.
Extended data:
Late repayment of credit cards may violate relevant laws. For example, Article 175 of the Contract Law of People's Republic of China (PRC) stipulates: "If the debtor fails to perform the monetary debt, the creditor has the right to ask him to perform it, or he may ask him to pay liquidated damages." In addition, the Credit Information Center of the People's Bank of China is one of the major credit information agencies in China, which is responsible for the generation and management of personal credit reports.