1. Repayment cannot be delayed for one month. Consequences of overdue repayment of credit card: interest will be charged at the daily interest rate of 0.5 ‰; The late payment fee is generally 5% of the minimum unpaid part; Cause a bad credit record.

The biggest disadvantage is the bad record, which should be kept for at least two years. During this period, you can't apply for a credit card or loan. If you can't pay in full, you must also pay at least the minimum repayment amount. Although it will generate some interest, it will not affect your personal credit information.

3. If it is difficult to repay in full and on time, it is recommended to apply for installment or pay the minimum repayment amount first, so as not to affect personal credit history.