1. What are the consequences of overdue credit cards?

1. Overdue repayment will lead to default interest on credit cards, and the interest will be charged at .5 ‰ of the daily interest rate, which is costly; In addition, there will be a late payment fee, which is usually 5% of the overdue amount. Not only that, the most troublesome thing is the personal bad credit record caused by overdue. Once a personal bad credit record is generated, it will first affect the loan application.

2. Generally, the overdue repayment of a credit card is not more than 3 times. You can apply for a credit card with a small amount, but you can also borrow money, but the interest rate is very high. Those who are overdue for more than 6 times or fail to repay once will be blacklisted in the personal credit information system of the People's Bank of China. If you are blacklisted, you cannot apply for a credit card or loan.

3. It is a crime to overdraw the bank card maliciously! "Malicious overdraft" means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being collected twice by the issuing bank. Malicious overdraft belongs to the crime of credit card fraud.

2. What should I do if the credit card money is not paid?

1. Use the minimum repayment function

Every bank will have a minimum repayment function. As long as this minimum repayment amount is paid, the bank will not charge a late fee and will not affect personal credit.

2. Use the installment function

If there is pressure on repayment, you can directly apply for the installment of the bill. Generally, banks provide the * * * function of 3, 6, 9, 12, 18 and 24 installments, and you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit.

3. Change the billing date to extend the repayment period

Note: The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once.

4. Pay back by handling the card or withdrawing the amount

If you can handle the card again or withdraw the amount, you can also exchange the card for the card, but this method must be used well, otherwise the result will be the same. Therefore, the solution is to understand and be familiar with several functions of the credit card, and then cooperate with these basic functions to achieve it.

5, take the initiative to negotiate with the bank to explain the situation

If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious not to pay back, there is indeed a reason, discuss whether you can delay the repayment, and never ignore the bank by changing the phone, so that your personal credit will be lost unless you don't deal with the bank in the future.

credit card arrears need to be paid back actively, otherwise the corresponding consequences after overdue will be based on the actual amount of arrears. Some arrears may not have a great impact, but if the amount is relatively high, the corresponding impact is hard to say, and there may be a risk of imprisonment. You must develop the habit of repaying on time when using credit cards at ordinary times.