1. If the repayment is not made in time, but the money is repaid within the grace period, there will be no penalty interest and it will not be uploaded to the credit information system. If the money is not paid after the grace period, it may be uploaded to the personal credit information system. 2. The grace period of each bank is different, and most banks have three days. Generally, if it is overdue for more than 90 days, or the overdue amount is too large, it will be sued by the bank. 3. It is suggested that everyone should have a sense of overdue prevention, use credit cards rationally, make a good consumption budget, repay on time in advance, and keep in mind the dangers of overdue.

Legal objectivity:

Article 13 of the China Convention on Self-discipline of Bank Card Industry, member units shall strengthen the public propaganda work on the use of bank cards and risk prevention, and ensure that customers have full right to know and choose the interest, charging standards and related risks of bank card business. (1) Member units shall strengthen the disclosure of credit card business information, fully reveal the meaning of credit card interest-bearing rules, clearly explain the interest-bearing rules in eye-catching fonts in credit card application forms, and provide calculation rules and simulation cases through publicity channels such as websites; (II) Member units shall implement the requirements of regulatory rules, choose the credit card interest rate collection method and corresponding preferential measures suitable for their own development according to the actual situation, but shall clearly inform the credit card applicant (or cardholder) of relevant information, so as to ensure that the applicant (or cardholder) can choose and decide whether to accept it according to his own wishes. (3) Member units shall remind cardholders to repay their credit cards at least 3 days before the due date of repayment, by means of bills, short messages, emails, telephone calls or letters. (4) Member units can provide multiple bills for cardholders to choose and change, and the number of changes can be limited. The above is my answer to this question. I hope it helps you. Thank you.