After the mortgage is completed, the overdue credit card has little effect on the previous mortgage, but the overdue record will enter the personal credit record. It is suggested to remedy by the following methods:

1. You'd better keep using this card.

After the deadline, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record.

2. Never run away.

If it is overdue for a long time, the credit card will generate interest and there will be a high late fee. If you run away, the bank will think it is a malicious overdraft and will call the police.

3. Inability to repay the loan requires timely explanation.

If you can't repay on time due to unemployment or illness, you can apply for deferred repayment and interest concessions before the repayment deadline, state your financial situation, and declare that you are not maliciously in arrears.

4. It is best to repay in full and explain the reasons.

If you forget to pay back because of your usual carelessness, you must pay back in full as soon as possible, preferably in full, because calling the bank after full repayment shows that it is not a malicious debt request, and eliminating overdue records has the best chance of winning.