The details are as follows:

First, the overdue credit card will be recorded in the personal credit report. Overdue credit card is a kind of personal bad credit record, which will affect personal credit rating and credit history. Credit card issuers will submit overdue records to credit reporting agencies, which will incorporate this information into personal credit reports as an important basis for evaluating personal credit status.

second, overdue credit cards will lower personal credit rating. In personal credit reports, credit reporting agencies generally classify personal credit ratings into different grades, such as excellent, good, average and poor. Overdue credit cards will lead to a decline in credit rating, and individuals with low credit ratings may be restricted or pay higher fees when applying for loans, handling credit cards and other banking services.

thirdly, overdue credit cards will affect an individual's credit history. The credit history in personal credit report is one of the important reference indexes to evaluate personal credit status. The overdue credit card will be recorded in the credit history of personal credit report and kept for a certain time. The existence of overdue records may have an impact on an individual's future credit application, such as loan approval, house lease and credit card application.

to sum up, one overdue credit card will affect personal credit information. The overdue records will be recorded in the personal credit report, which will lower the personal credit rating and keep it in the personal credit history for a certain period of time. Therefore, timely repayment of credit card bills is one of the important measures to maintain good personal credit information.

Extended information:

The personal credit information system is operated by the Credit Information Center of the People's Bank of China. Personal credit report is an important basis for evaluating personal credit status, which has an important influence on individuals applying for loans, handling credit cards and renting houses. Therefore, maintaining a good credit record is very important for personal economic life and financial activities. In order to avoid the impact of overdue credit cards, users are advised to plan their use of credit cards reasonably, ensure timely repayment of credit card bills, and abide by the rules for the use of credit cards.