1. A credit card that is overdue for five days will have a bad record. At present, most banks provide a grace period policy to prevent cardholders from accidentally forgetting the repayment date, but the grace period of banks is basically 3 days. Overdue for more than three days will be recorded in the central bank's credit information, which will affect the subsequent credit procedures. Credit cards will enter the central bank's credit information system if they are overdue for more than three times or for more than 9 days. The consequences of overdue credit cards are serious, mainly in the following aspects:

First, overdue repayment of credit cards after overdraft is a breach of contract, and banks can require cardholders to repay the principal, overdue interest, late fees, over-limit fees, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs.

second, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to repay the loan within the time limit, which constitutes the crime of credit card fraud, he will also bear criminal responsibility.

Third, overdue repayment will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loan and other behaviors.

second, if the cardholder's usual repayment record is relatively good, you can try it. Call the bank customer service to apply, eliminate the overdue record, and then tell the customer service what caused the delay, not intentionally overdue, and so on. After this person, you must keep a good repayment record, and don't be overdue again.

3. Impact of overdue credit card:

1. Personal credit information is affected and blacklisted

The overdue credit card is most obvious in the personal credit information report. Once the overdue bad records are displayed, as long as the business involving credit investigation is involved, it cannot be handled. If a credit card is overdue for three times in a row or six times in total, it is overdue with serious circumstances. If it is overdue for more than 9 days, it is also serious. If you apply for a credit card, mortgage, car loan, etc., you will basically be rejected. However, if the overdue time is not long, and a good repayment record is maintained after handling the arrears, then the credit information can also be raised, which will not have much impact on the application for loans and credit cards.

2, personal life is affected

The most serious thing is that people refuse to repay for a long time and refuse to negotiate, then they will be blacklisted first, and those who still fail to return after the expiration will be restricted from traveling and unable to take public transportation. In severe cases, they will be prosecuted, enforced or detained. The longer the overdue period, the greater the impact. Personal credit report will have more and more influence on life, so it is suggested to take remedial measures as soon as possible to reduce the influence on credit report.

3. The collection company will continue to collect money

After the bank fails to collect money for a period of time, it will entrust a law firm to endorse the entrustment agreement, and the firm will distribute the information of overdue borrowers to collection companies in various places and turn them into collection companies for collection.