After applying for a credit card, it is the main card. The supplementary card needs to be applied at the bank before it can be processed.

The main card and the supplementary card have a limited quota. They must spend reasonably, repay on time, and do not cause overdue payments.

Overdue credit card is a breach of contract, and you must bear the liability for breach of contract, which will stain personal trust, be detrimental to later bank lending business, and produce overdue records in the credit report.

Consequences of overdue:

1. Bear high penalty interest;

2. Cause legal disputes;

3. In the country Leaving "credit stains" in the credit reporting system.

The suggestions are as follows:

1. It must be made up immediately, and an additional penalty interest will be paid. It is recommended to pay more, so that the bad records can be temporarily cleared. If the debt is overdue for more than one month, then the next repayment should be made with 2 months of monthly payments in one lump sum, as well as the penalty interest for the previous month;

2. If there is no further delay, , one year later, the computer will eliminate this bad record;

3. The repayment is delayed, but the repayment period will not be delayed, and the bad record will only be left permanently;

< p>4. Remember to pay off the previous monthly payment and penalty interest before the next month’s repayment period.