It is correct to say that you cannot take the high-speed rail if your credit card is overdue. Below I will elaborate on the causes and effects of this problem through several aspects.

First of all, the railway department connects with the banking system and can obtain passenger ticket purchase information and personal credit information. When a passenger's credit card is overdue, the bank will transmit the relevant information to the railway department, so that it will be restricted when purchasing tickets. This measure is to protect the interests of banks and prevent credit card holders from continuing to spend without repaying their loans.

Secondly, if your credit card is overdue, you will not only be restricted from purchasing high-speed rail tickets, but it may also affect your personal credit record and credit score. Overdue credit card payments will be recorded on your personal credit report, which will have a negative impact on future loan approvals, credit card applications, etc. In addition, a decline in an individual's credit score may also cause banks to increase credit card interest rates or reduce credit limits.

In short, the reason why you cannot take the high-speed rail if you have overdue credit card repayments is because of the cooperation between banks and the railway department to maintain financial order and personal credit security. This measure reminds people of the importance of not repaying their loans on time and imposes certain restrictions and warnings on them to encourage them to fulfill their repayment responsibilities on time.

Extended information:

The policy of restricting high-speed rail riding for overdue credit card payments has been implemented in China since 2016. According to relevant policies and regulations of the Chinese government, if the holder's credit card is overdue, he will be restricted and unable to purchase high-speed rail tickets through the railway system.

At the same time, overdue credit card repayments will also affect your personal credit record. China's credit reporting system is operated by multiple credit reporting agencies, which centrally manage, record and share personal credit information. Late credit card payments will be recorded on credit reports and may have a negative impact on an individual's credit score.

Therefore, in order to avoid the inconvenience and losses caused by overdue credit card repayments, it is recommended that cardholders develop good repayment habits. Timely repayment can not only avoid restrictions on high-speed rail rides, but also help maintain a good personal credit record, providing more opportunities and favorable conditions for future loan and credit applications.