Yes, it will cause certain credit problems, but it does not necessarily have a bad credit record.

The consequences of an overdue credit card are:

1. The bank credit card bank center will charge late payment fees and interest:

1. The late payment fee is based on the unpaid portion of the minimum repayment amount. Calculated at 5%, the minimum charge is RMB 10 or 1 US dollar

2. At the same time, the bank will also charge an interest of 50,000 per day on the entire bill.

2. Impact on credit

1. If it is overdue within a month, it is considered overdue once. As long as it is overdue, even once, it will be more difficult to increase the credit limit;

2. If you are overdue 3 times in a row or 6 times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;

3. If you are overdue for a certain amount and time, the bank will freeze the credit card.