It will affect the credit information. Liquidated damages will only be charged if the credit card is overdue. After the credit card is overdue, the bank will charge overdue interest according to the number of days overdue. When the balance is paid off, in addition to the bill amount, the interest on the overdue fine is also paid off. If the penalty interest is not paid off, the user will still be overdue.

In addition, the overdue credit card records will be kept in the credit information for 5 years after payment, and the records will be deleted after 5 years. During this period, you must accumulate a good credit record.

Can I apply for a refund of the credit card fine?

After the user's credit card defaults, the bank will charge liquidated damages according to the contract. If the user defaults first, the bank will not return the liquidated damages. If the bank defaults first, the bank will refund the money to the user at this time.