Generally speaking, once a personal credit card or loan is overdue, it will have an impact on personal credit information. Specifically, the following points need to be explained:

1. Generally speaking, credit card companies can submit overdue information to credit reporting agencies within 30 days. Therefore, as long as the credit card is overdue for more than 30 days, there may be corresponding overdue records in the personal credit report.

2. In the case of applying for loans, banks or financial institutions will generally decide whether to submit overdue records to credit reporting agencies according to relevant regulations. These provisions may vary from organization to organization and are generally clearly stipulated in the contract or agreement. Generally speaking, in loans overdue, it is possible for banks to submit overdue records for more than 30 days.

3. For other forms of credit instruments, such as credit consumption installment, peer-to-peer lending and other overdue situations, credit reporting agencies usually decide whether to report overdue records according to business cooperation or relevant regulations.

To sum up, generally speaking, credit card overdue for more than 30 days, loans overdue for more than 30 days, will have an impact on personal credit. However, the specific degree of influence and the recovery time of credit records will vary according to everyone's situation. Therefore, it is very important to reasonably maintain the timely repayment of personal credit records.

Extended data:

Personal credit investigation refers to a credit reporting system used to evaluate personal credit status. Personal credit information is mainly managed by the Credit Information Center of the People's Bank of China, and commercial credit information institutions conduct business operations in accordance with the relevant provisions for filing. Credit records include personal credit information such as loans, credit cards and guarantees. This information plays an important role in judging personal credit status and loan risk assessment.

It should be noted that different overdue records may be graded and classified in the credit report. For example, factors such as the length of overdue days and the amount of overdue will have different effects on credit rating. Therefore, while developing good repayment habits, we should also pay attention to knowing our personal credit report in time so as to take timely measures to maintain personal credit.

In short, generally speaking, credit card overdue for more than 30 days, loans overdue for more than 30 days will have an impact on personal credit. However, the specific degree and time of influence will vary according to individual circumstances. Maintaining a good credit record and timely repayment will help to maintain a good personal credit status.