[中文回答]信用卡逾期會對個人信用記錄造成不良影響，可能會導致信用評分下降、信用額度減少、利率上漲、甚至被強制清償等情況。若發生逾期，建議及時與銀行聯系，了解具體逾期利息和罰款數額，並盡快償還欠款。同時，也可以申請緩期還款、分期付款等措施來緩解經濟壓力。如果逾期時間較長，銀行可能會啟動法律程序，采取強制清償等措施。在這種情況下，個人信用記錄會受到更嚴重的傷害，如果不及時還款，還可能會被列入“失信被執行人”，對個人信用記錄造成長期影響。因此，為了維護個人信用記錄，必須註意信用卡賬單的還款日期，避免逾期。如果確實有困難，要及時與銀行溝通，並嘗試尋求合理的還款解決方案。[英文回答]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 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. 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 and try to seek reasonable repayment solutions.
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