Repaying only half of the credit card is considered overdue. Regardless of whether it is half or two-thirds, as long as the credit limit wiped out last month is not paid off before the repayment date, it is considered overdue. A dollar not paid back is considered overdue.

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1. For example, if you used up 1,000 yuan on your credit card last month and only paid back 500 yuan before the repayment date, then the remaining 500 yuan will become Overdue repayment will result in penalty interest in accordance with overdue regulations, and will also be recorded in your personal credit report. Credit cards carry full penalty interest. According to the relevant regulations of the People's Bank of China, if the cardholder fails to repay the full amount on the due date, even if the difference is only 1 cent, the full amount of the current bill will be charged 0.05%. Daily interest is calculated and compound interest is calculated monthly. If interest is calculated based on the unpaid portion, you only need to pay the interest on the unpaid portion, which is a lot less than calculating interest on the full amount. If you only have the ability to repay half, it is recommended to apply for installment repayment for the remaining half.

2. The credit card has paid half of the bill amount, so the repayment amount must be higher than the minimum repayment amount. At this time, the bank will regard the user as a normal repayment, and normal repayment is certainly not overdue. Only if the repayment amount is less than the minimum repayment amount between the repayment date and the grace period will the bank regard the user as overdue. Therefore, when the user repays half of the loan, it means that the user has repaid the loan on time. In addition, if the user repays half of the bill amount, but it is still not a full repayment, the bank will still charge the minimum repayment interest.

3. If the contract says that this situation does not count as overdue, it does not count as overdue. If it is a Ping An Credit Card, it will not be considered overdue if the minimum payment of the Ping An Credit Card is made before the final payment date. The minimum repayment amount is the minimum amount that you need to repay on your credit card every month. If you pay the minimum repayment on time, you will not incur liquidated damages and it will not affect your personal credit. However, you will not be able to enjoy the interest-free period, interest and remaining unpaid payments. It will be included in the next period's bill, and interest will be calculated based on each transaction in your bill at a rate of 0.5% per day starting from the consumption recording date until you pay it off. But if you can afford it, it's best to pay it off, so you won't have so many worries.