Everyone must know that the impact of not paying back credit card debt is very big, and there are many negative consequences. Therefore, many people usually take the initiative to repay, but there are also people who overdue due to lack of money. , so what happens if the credit card is overdue for 15 days? Are the consequences serious? Let’s take a look below.

Is it okay if a credit card is overdue for 15 days?

It is understood that there is definitely a problem if a credit card is overdue for 15 days. Whether the credit card is five days overdue or 15 days overdue, as long as it is overdue, you will have to bear a certain amount of responsibility. consequences. If I don't repay my credit card overdue, I will not only have to pay a certain late fee, but it will also affect my credit record. Once your personal credit is affected, you will face the risk of reduction. And late fees for late payments are calculated on a daily basis.

Credit card debts will not generate interest or bad records. The amount of debt owed is relatively small and will affect your credit record. If the amount owed is large, it is a malicious overdraft, and the bank will report it to the public security organs. Due to bad records, its mortgage loans, car loans and other financial businesses will also be affected. If a person maliciously overdrafts more than 10,000 yuan, a case will be filed and the debtor will be held criminally responsible. Therefore, it is recommended that everyone repay the loan on time and never overdue it.