The limit will not be lowered for the time being. However, overdue repayment will not only lead to a late payment fee of 5% for the minimum unpaid part, but also a full penalty interest on the bill (five ten thousandths of a day, interest will be paid on the day of consumption, and interest will be recovered monthly until the principal and interest are paid off), and it will also lead to a bad credit record in the Credit Information Center of the People's Bank of China, which will seriously affect the application for credit cards and bank loans within five years.

If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card, list you as a prohibited customer (blacklist), and will sue you for credit card fraud and malicious overdraft;