Your Ping An Bank credit card is overdue, and now you have no money. You can take the initiative to negotiate with the bank to see if you can repay it in installments. You must be sincere, or borrow money from friends and relatives first.

1. Overdue credit cards usually have the following consequences:

1. Expenses such as overdue interest and liquidated damages. : Calculate the interest from the overdue date of the credit card, which is generally five ten thousandths of the daily interest, and compound interest is calculated monthly; The liquidated damages are generally 5% of the unpaid part of the minimum repayment amount.

2. Bad credit record: after the deadline, the personal credit report will produce bad records, which will affect the future loan application.

3, may face criminal responsibility: if the long-term overdue and overdue amount is large, then you may receive a reminder from the bank; If the bank still fails to repay the arrears after being reminded, it may face criminal responsibility.

Generally speaking, the impact of overdue credit cards is still relatively large. I suggest that you must pay back on time.

If your credit card is about to expire or has expired, I suggest you call the bank's customer service phone in time, take the initiative to explain the situation, find out whether you can apply for deferred repayment or reduce the penalty interest, and repay as soon as possible.

Second, personal credit is the basis of the whole social credit.

The market subject is composed of individuals, and all economic activities in market transactions are closely related to personal credit. Once individual behavior is out of control, individual dishonesty will occur, and then collective dishonesty will occur. Therefore, the construction of personal credit system is of great significance.

Personal credit is not only the foundation of a country's market ethics and moral culture construction, but also a huge resource for a country's economic development. The development and utilization of such resources can effectively promote consumption, optimize resource allocation and promote economic development. The more the market economy develops, the more important the role of personal credit is, and the perfection of personal credit system has become one of the obvious signs of the maturity of market economy.

20 13, 10 The announcement issued by the Credit Information Center of the People's Bank of China shows that from 20 13, 10 and 28, the pilot scope for individuals to check their credit reports through the Internet will be further expanded, from the original three pilots in Jiangsu, Sichuan and Chongqing to the whole country.