I applied for a credit card on February 27, but on March 11 it said it was overdue. It may be because 1. I had too many cards and returned the wrong card. Many people have at least 5 credit cards on their hands. If they accidentally make a mistake about the repayment time of each credit card and confuse the repayment amount, they will pay back the money to be paid on this card to that card instead of the credit card that should be paid back. If you don't repay the credit card, the consequences will be even greater.

2. Over-reliance on automatic repayment. Many friends are afraid of forgetting to repay, so they simply link their credit card to a debit card and activate automatic repayment, thinking that the bank will automatically deduct the money for repayment when it is due without overdue payment. However, this is not foolproof. You must ensure that there is enough debit amount in the card, otherwise there will not be so much money deducted by the bank, and it will also expire.

3. The temporary quota cannot be repaid in full. Using a temporary credit card limit can allow you to temporarily increase your spending power, but if you use it, you must be clear about the repayment rules for this limit. Many banks now include all temporary credit card limits that have been used into the latest minimum payment of the credit card. If the full payment cannot be made, the payment will also be overdue due to insufficient repayment.

4. The over limit cannot be paid off in full. In fact, it is the same as temporary repayment. Some banks provide over-limit services by default. You can still use transactions if you max out your credit card, because if you use the over-limit limit, you must repay in full, not in installments, or minimum repayment, otherwise it will will be overdue.