"For three consecutive months, six times in total" means that the public's repayment is overdue.

One, the influence of three tired six

1, affecting personal career. If the overdue behavior is recorded in the credit report, it will become a "stain" on your resume. To become a person who has broken his promise, the law stipulates that he shall not be the legal representative, director, supervisor or senior manager of the enterprise. The career promotion of borrowers will be seriously affected.

2. Consumption will be limited. When taking the means of transportation, choose the cabin above the second class of plane, train soft berth and ship; Purchase real estate or build, expand or decorate high-grade houses; Private schools with high fees for children; Purchase non-operating vehicles; Paying high premiums to buy insurance wealth management products will be restricted.

3. When the borrower applies for a loan in the bank, the bank will adjust the loan interest rate according to the borrower's credit record and qualification. High-quality borrowers with better credit are more likely to get loans with lower interest rates. If the borrower has suffered credit damage due to loans overdue, even if he gets a bank loan, it is difficult to enjoy the preferential loan interest rate.

Second, remedial measures for overdue repayment.

1. If you accidentally forget to repay, you can bind your bank card and repay on time, so that some people who automatically deduct money will not forget to repay.

If you can't pay back the loan, you can apply for a loan extension one month in advance, which is much better than ignoring it.

Consequences of overdue repayment of overdraft credit card

1, overdue interest, overdue fine

If the credit card overdraft is not returned in time, it will generate certain overdue interest or even late payment fee, so the repayment ability must be considered when swiping the card.

2. Be sued by the bank

If the bank fails to pay it back, it will bring a lawsuit to the court to safeguard its own rights and interests, which will lead to legal fees, attorney fees and other economic expenses.

3. Bad credit record

Failure to repay in time as agreed will affect personal credit records, and bad credit records will have an impact on future loans.

4, bear criminal responsibility

Those who maliciously overdraw their credit cards and owe more than 50,000 yuan shall be investigated for criminal responsibility.