Legal analysis: You should contact the bank in time to explain that you are not maliciously overdue and apply for penalty interest concessions, but overdue is a breach of contract and you should bear the responsibility for overdue.

Legal basis: Criminal Procedure Law of the People's Republic of China

Article 67 The people's courts, people's procuratorates and public security organs may obtain a guarantor pending trial for a criminal suspect or defendant under any of the following circumstances:

(1) Those who may be sentenced to public surveillance, criminal detention or independently apply additional punishment;

(2) it may be sentenced to fixed-term imprisonment or more, and it will not cause social danger if it is released on bail pending trial;

(3) A woman who is seriously ill, unable to take care of herself, pregnant or nursing her own baby will not be exposed to social danger if she is released on bail pending trial;

(4) The detention period expires and the case has not been settled, so it is necessary to obtain bail pending trial.

bail pending trial shall be executed by the public security organ.

article 68 when people's courts, people's procuratorates and public security organs decide to release a criminal suspect or defendant on bail pending trial, they shall order the criminal suspect or defendant to put forward a guarantor or pay a deposit.