If a credit card bill is paid one day later than a Sunday, it is considered overdue. If the payment is not made by the repayment date, it is considered overdue, and it will be recorded in the credit report; overdue bad records will be recorded in the personal credit record. , if you continue to fail to repay, you will be blacklisted, which will affect your personal credit report;

The bank's handling method after the credit card is overdue:

1. Consumer payments will no longer enjoy interest-free repayment. Payment treatment. The card-issuing bank will calculate interest on the principal of the consumption amount on a daily basis starting from the accounting date, with a daily interest rate of 0.5% and compound interest on a monthly basis. For the unpaid portion of the minimum repayment amount, a late payment fee of 5% will also be charged on a monthly basis.

2. Receive reminder calls and reminder letters from the card-issuing bank.

3. If the credit card account is frozen by the card-issuing bank, the debt record may be fed back to the personal credit reporting system of the People's Bank of China, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a loan normally.

Special reminder: It is recommended that users who apply for credit cards make repayments on time and take good care of their credit;