If the credit card is not paid off in the current month, it will become overdue, which will have a certain negative impact on the cardholder. At this time, it should be paid off immediately to avoid greater negative effects.

Overdue repayment of credit card refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited into the designated account in full and on time. If the cardholder fails to repay the arrears before the final repayment date of the current bill or the amount of repayment is lower than the minimum repayment amount, the current bill will become overdue.

If the minimum repayment amount is not paid, the consequences will be:

I. Bank Credit Card Banking Center will charge late fees and interest:

1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.

2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.

Second, the influence of credit.

1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;

3. After a certain amount and time, the bank will freeze the credit card.