As a banking industry, if it is overdue, it can be prompted by SMS or telephone. If it is within 1 days, it is normal. Exceeding 1-15 days is overdue, and two consecutive overdue days can meet the blacklist conditions.

Credit cards are generally overdue, which is normal. Banks will charge overdue interest, which is the source of bank profits. Please be careful not to be overdue continuously. Continuous overdue is a vicious overdraft, which is one of the important targets of the bank's crackdown.

if it is a CMB credit card, the minimum repayment amount is the minimum amount that you must repay before the monthly due repayment date stipulated by the bank. You can not repay the full amount, but the repayment amount of each installment must be greater than the minimum repayment amount, which is the basic repayment requirement for you to maintain a good credit record. If you can't enjoy the interest-free repayment period by choosing the minimum repayment, interest will be charged on all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. If you pay off the payable amount in this period in full before the due repayment date, you can enjoy the interest-free period for consumption. You can choose the repayment method according to the specific situation. Minimum repayment amount = 1% advance cash principal+1% non-advance cash transaction principal+1% expenses+1% interest+1% excess consumption+1% unpaid minimum repayment amount in the previous period+1% installment amount. Please refer to the minimum repayment amount listed in the bill.