PetroChina UnionPay is labeled as a credit card. Users must repay on time after using this credit card for consumption. Overdue repayment is not allowed, because overdue repayment will generate penalty interest. The longer the time, the penalty interest will be incurred. The more the amount is, the higher the cost of subsequent repayment will be. What’s more, the bank will collect money after overdue repayment. A common method of collection is to call the borrower’s phone number.

Overdue credit card repayments will be subject to a credit report. When the credit report becomes bad, it will affect the processing of various loans, such as car loans or home loans. Moreover, after the overdue debt is returned, this overdue record will continue It will be saved for 5 years and will disappear automatically after 5 years. If not, it will still be recorded in the credit report.

If you cannot repay the credit card on time after using it, you can consider using installment repayment, but you must meet certain conditions, so that you can reduce the monthly repayment limit of the credit card and avoid overdue repayment. , you can return it in advance after using installment repayment, which can reduce the handling fee and is conducive to the use of credit cards.

When users usually use credit cards for consumption, they must think in advance about what kind of income they will use to return. If their personal income is relatively small, they should use it with caution; if their personal income is relatively large, they can rest assured. Use it and there will be no overdue return later.