The overdue credit card of Agricultural Bank of China is very serious, which will not only affect the credit information, but also be subject to penalty interest. Therefore, the credit card holders of Agricultural Bank of China must repay the loan on time, so as not to cause the credit card to be overdue.
Basic classification of credit cards of Agricultural Bank of China:
According to different brands, different brands: VISA, MASTER, UnionPay card.
Different currencies: RMB card, local and foreign currency integrated card (RMB CNY, USD, EUR, AUD (not yet issued)).
According to credit rating: Puka, Gold Card and Platinum Card (issued on June 65438, 2008+February 1).
By account nature: main card, supplementary card.
By partner: co-branded card, standard card. Co-branded cards refer to the joint issuance of banks and other units or institutions, which not only has the basic functions of credit cards, but also enjoys special policies.
By issuing object: personal card, business card. Personal card is a credit card issued by our bank to individuals, and applicants independently enjoy rights and obligations to themselves.
Consequences of overdue credit card of ABC:
Late payment fee: usually 5% of the overdue amount.
The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is not due or the repayment amount is lower than the minimum repayment amount.
Overdue interest: charged at the rate of 0.5 ‰ of daily interest.
After the user overdraws by credit card, the longest interest-free repayment period is about 50 days. If the cardholder fails to pay off all the overdraft fees within the specified time limit, then the cardholder will no longer enjoy the interest-free treatment of the Agricultural Bank of China for all the fees last month, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.
It may bring litigation costs.
If the user overdraws for 2 months without repayment, the Agricultural Bank will call to remind the user to repay. If you don't repay, ABC will find a lawyer to send a lawyer's letter to the user. Malicious overdraft of credit cards, which is not returned after being collected by ABC, will constitute the crime of credit card fraud.
Bring bad credit records
The overdue repayment of ABC's credit card will be recorded in the central bank's credit information system. At present, the basic database of personal credit information has been networked nationwide. As long as individual residents have handled the loan business in the Agricultural Bank, applied for a credit card, or provided guarantees for others, credit reports can be found in any commercial agricultural bank in China. Bad records can only affect personal loans for the time being, but with the improvement of the credit information system, it may also affect cardholders' job selection and all aspects of life. Generally speaking, the validity period of bad records is 5 years, but this time is calculated from the date when the cardholder pays off the debt.