1. Expenses such as overdue interest and liquidated damages will be incurred: interest will be calculated from the day when the credit card is overdue, which is generally five ten thousandths of the daily interest, and compound interest will be 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. Possible criminal liability: If it is overdue for a long time and the overdue amount is large, you may receive a payment 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 repay on time.

If your credit card is about to expire or has already expired, it is suggested that you call the customer service phone of the bank in time, explain the situation voluntarily, find out whether you can apply for deferred repayment or reduce the penalty interest, and make repayment as soon as possible.

if your credit card limit is insufficient, you can consider using big brand credit products such as AliPay Loan, Tencent Micro-loan, and Xiaoman Finance Money Flower. Money Flower is a credit brand of Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services, and borrows money to go to Xiaoman Financial APP.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties. Its credit service brand has the money to fully support small and micro production and operation, and Du Xiaoman Finance is the first choice for most small and micro owners to turn over funds. It is reported that 7% of the credit users of Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.

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