[Answer in Chinese] Credit card overdue will adversely affect one's credit record, which may lead to a drop in credit score, a reduction in credit limit, an increase in interest rate, or even being forced to pay off the card. In case of late payment, it is recommended to contact your bank in time to find out the exact amount of late interest and penalty and repay the outstanding amount as soon as possible. Meanwhile, you can also apply for deferred repayment and installment measures to ease the financial pressure. If the overdue period is long, the bank may initiate legal procedures and take measures such as compulsory settlement. In this case, the personal credit record will be more serious damage, if not timely repayment, may also be listed in the "bad faith executor", the personal credit record of the long-term impact. Therefore, in order to maintain your credit record, you must pay attention to the payment date of your credit card bill to avoid overdue. If you have real difficulties, you should communicate with your bank and try to find a reasonable repayment solution. [English answer] Credit card delinquency will have adverse effects on personal credit records, such as reducing credit scores, decreasing credit limits, increasing interest rates, and even being forced to clear debts. If delinquency occurs, it is recommended to contact the bank in time to understand the specific interest and fine amounts, and repay the loan. If delinquency occurs, it is recommended to contact the bank in time to understand the specific interest and fine amounts, and repay the arrears as soon as possible. At the same time, measures such as applying for deferred repayment and installment payments can also be taken to alleviate economic pressure. If the delinquency time is long, the bank may initiate legal procedures and take measures such as compulsory debt clearing. If the delinquency time is long, the bank may initiate legal procedures and take measures such as compulsory debt clearing. In this case, personal credit records will be more severely damaged. If the repayment is not made in time, it may also be listed as a \"dishonest debtor\", which will have a long-term impact on personal credit records. Therefore, in order to maintain personal credit records, it is necessary to pay attention to the repayment date of credit card bills and avoid delinquency. If there are indeed difficulties, it is necessary to communicate with the bank in time. Therefore, in order to maintain personal credit records, it is necessary to pay attention to the repayment date of credit card bills and avoid delinquency.