My bank of communications credit card repayment is overdue, and I received a text message saying that I should investigate the risk. What's the impact?

According to the situation you described, it should belong to the problem of overdue credit cards. If the credit card fails to repay on time, it will not only cause late payment fees, but also affect your credit history. In the future, you will be restricted from applying for increasing the credit limit or other credit card activities. Credit records will be included in your personal credit report, which will have a bad influence on future loans, house purchases and installments. Default will always generate interest and late fees. If the bank thinks you are dishonest, it will sue in the name of credit card fraud, which is an economic crime.

According to our laws:

Overdue repayment will be recorded in personal credit report, but negative information such as overdue repayment is not always recorded in personal credit report. At present, China's credit record has been maintained for five years. After paying off the debt, anyone can start building a credit record again and start again. 2. Failure to return the bank credit card within the time limit may be suspected of credit card fraud; 3. If the amount of principal owed reaches 1 10,000 yuan or more, and it is not returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in the criminal law, and it is suspected of credit card fraud, and shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention according to law, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; 4. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

To sum up, the settlement date and due repayment date of monthly credit card bills are fixed. If the repayment is overdue, there will be late fees and interest, and personal credit will also be affected. The customer's credit information will be recorded in the personal credit database and become a part of the credit record. No matter which bank, you can find your overdue records. Therefore, in order not to affect the future loan, you'd better repay it on schedule (because you must buy a house in the future)! I hope my answer can help the landlord!