Some bank credit cards will also generate annual fees if they are not activated, and many cardholders are overdue because they don't pay attention to the annual fees.

After the deadline, you have to bear the responsibility of overdue and pay the annual fee. Generally, credit cards are overdue for no more than three times. You can apply for a credit card but the amount is small, and you can also borrow money, but the interest rate is very high. Those who repay more than six times or fail to repay once will be blacklisted, and you can't apply for credit cards and loans.

For the purpose of illegal possession, if the cardholder overdraws beyond the prescribed limit or term, and fails to return it for more than three months after being urged twice by the issuing bank, it will be regarded as "malicious overdraft". Overdue repayment will lead to default interest on credit cards, and interest will be charged at the rate of five ten thousandths of daily interest; In addition, there will be a late fee, which is generally 5% of the overdue amount.

Consequences of overdue:

1, bear high penalty interest;

2. Causing legal disputes;

3. Leave a "credit stain" in the national credit information system.