The latest date when the credit card issuer requires the cardholder to return the amount payable. In other words, after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date.

The due repayment date is the last day of the interest-free repayment period. Before this, the repayment is interest-free, and interest and late fees will be charged if it is overdue. For each bank, the interest-free repayment period is different. For example, Bank of Communications credit card, the billing date is the 3rd of each month, and the billing due date is1October 28th 20 1 1.3.

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Credit card overdue repayment will face the following consequences:

1, credit card late fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.

2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records.

4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft.

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