1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
Extended data
Repayment method
1, within the issuing bank
This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
4. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
5. Convenience store repayment
This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store, which generally takes 2-3 working days to arrive at the account, and the repayment in this way is free.
6. Counter repayment
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
7. Xinfutong Repayment
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.
8. Repayment Pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
9. Other ways
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
Baidu encyclopedia-credit card
What should I do if my credit card (debit card) is unexpectedly overdue once?
If the credit card (debit card) is unexpectedly overdue once, as long as it is saved in time, there will be no adverse effects. If it is within the grace period of credit card (credit card) repayment, it will be fine. If the repayment grace period is exceeded, there will be penalty interest, which needs to be borne by the cardholder. Whether it will affect the credit information depends on your overdue time.
If your credit card (debit card) is unexpectedly overdue once, you must do the following two things immediately:
1, pay off the debt.
Know that the first time is overdue, pay off the arrears in full (overdue principal+penalty interest), and cannot repay by installments or with the minimum repayment amount.
Step 2 contact the bank on your own initiative
After paying off the arrears, take the initiative to call the customer service phone of the issuing bank, indicating that you are accidentally overdue, not malicious. If the bank does not upload overdue records, it is generally fine; If the overdue record has been uploaded, you can ask the bank to issue a "non-malicious overdue certificate", which may be helpful to you in the future.
The credit card was unexpectedly overdue once.
The credit card was overdue once at the meeting. All credit cards have a final repayment date. If the repayment is made after the repayment date, it will all be considered overdue and reported to the credit bureau, which will have the following impact on individuals. No longer enjoy interest-free repayment. Personal credit record is seriously overdue, and the amount is huge, and it will also constitute a criminal sedan chair because of "malicious overdraft". The bank will freeze your card and list you as a prohibited customer (blacklist) if it is overdue for more than three months or the bank reminds you twice. At the same time, it will also++your credit card++and malicious overdraft,++will be enforced. Occasionally, the impact of overdue credit cards on individuals is not too serious, as long as the credit cards are returned in time. No more than four overdue times in a year, which is not too big for personal influence. If it is overdue for three or even seven months in a row, no bank loan or credit loan can be made within five years.
Ordinary credit card++type
1. You lied by SMS or phone that you won the grand prize, and asked you for++in the name of remittance demand, and asked you to pay 20% income tax first and transfer it to its designated account.
2. The policeman posing as the public security economic investigation department lied that your credit card was stolen, and the suspect has been arrested, asking you to report++and password to the "public security personnel".
3. Forged websites are easy to be fooled. Advertise on it that online banking is drawing a lottery. When you click Enter, you will be asked to enter++and password.
4. Post a "notice" to induce you to transfer money. Post a notice on the ATM machine, such as "Bank system failure, please follow the following procedures, otherwise you will bear the consequences". Follow the prompts and you will transfer the amount on the card to the liar.
Consequences of unexpected overdue credit card.
1, bank collection. After the cardholder is overdue, the bank will urge the credit card user and contact person for payment. The general collection method is telephone or SMS. For those with large debts, banks may also come to collect them. Frequent collection may affect the normal life of credit card users.
2. Be punished. After the credit card is overdue, the bank will impose a penalty interest on the cardholder. Fortunately, the credit card user will be charged an overdue fine. The longer the time, the more overdue interest will be generated.
3. Personal credit left a bad record. Collect overdue credit cards at the meeting. Once the overdue record is left in the cardholder's personal credit report, the subsequent credit business may be affected to some extent.
4. It was++by the bank. In the case of a large overdue amount and a long time, the bank can recover the arrears through legal channels. If the cardholder's overdue amount reaches 50,000 yuan and has not been repaid for more than three months after being collected by the bank twice, the behavior of the credit card user will reach the standard of bank criminal++. Once the bank is++,the cardholder may bear criminal responsibility for suspected credit card++crimes.
5. Daily consumption and travel are restricted. If the cardholder refuses to repay after being judged by the bank++,he will not only bear criminal responsibility, but also be++included in the list of people who have lost their trust, that is, the "Lao Lai" list. Once you become an old lai, you will not be able to handle credit business in the future, and even your daily consumption will be affected, such as buying planes, high-speed rail tickets, boat tickets, staying in hotels, traveling and so on.
This concludes the introduction of one overdue credit card and one overdue credit card. I wonder if you have found the information you need?