2. The repayment of CCB's credit card on the due repayment date is not overdue as long as there is repayment record.

3. In case of overdue repayment, pay off the arrears in time.

(1) If it is not overdue within the grace period, if there is no grace period, the overdue interest and overdue fine will be calculated directly;

② The overdue fine is 5% of the arrears, and the interest is calculated at the daily interest rate of 0.5 ‰;

③ Call the credit card center or bank to explain the situation;

(4) If it is overdue once, it will be repaid immediately in a short time, which will not have any impact on the credit record;

⑤ It has a certain impact on the application, which will slightly reduce the withdrawal amount;

⑥ It has a certain impact on loans;

⑦ More than 60 diaries overdue are entered into personal credit records;

8 Records overdue for more than 90 days are regarded as bad credit information.

4. Remedies for overdue credit cards requiring loans:

① There is no overdue for more than 90 days;

② Contact the bank credit card account manager, issue a non-malicious overdraft certificate and affix the official seal of the bank;

③ If multiple overdrafts are overdue, several non-malicious overdraft certificates will be issued and stamped with the official seal of the bank.