1.

If the customer does not ask for the minimum repayment amount, it will generate interest. From the billing date, the daily interest rate is 0.05%, with monthly compound interest, and there is a late payment fee (calculated by each card), with a minimum of 10 yuan. If you don't pay back in the first month, you will enter the M 1 state, and the bank staff will prompt you, which will affect your credit rating. It is best to pay off the minimum repayment amount before the repayment due next month.

2.

If the minimum repayment amount has not been paid off, the bank will call the customer to remind the customer to pay back quickly;

3.

If the repayment is not made for three consecutive months, the credit rating of the customer will be seriously downgraded, and the bank will take judicial and corresponding channels to make external dunning for the customer.

Supplementary explanation:

Precautions for using credit cards:

4.

The more credit cards are used, the more banks like them. Therefore, as long as you can swipe your card when shopping, try to swipe your card. Credit cards must be swiped six times a year to avoid the annual fee.

5.

Don't withdraw cash unless you have to, the handling fee is too high and you need interest;

6.

Repayment should be timely, otherwise there will be bad records. The best way is to open a debit card of a colleague, deposit the money and handle automatic repayment.

7.

Bulk consumption, you can swipe your card, and then call the bank to ask for installment payment.