As for the overdue issue of China Construction Bank credit cards, the answer is no. According to the provisions of the General Principles of the People's Republic of China and the Civil Law, the debtor is obliged to repay the debt. Even if it is temporarily unable to repay, it must be repaid in installments with the consent of the creditor or a court ruling. Late payment not only violates the contract, but also has a serious impact on personal credit.

Credit cards are essentially a credit contract established between banks and consumers. Consumers have the right to overdraft consumption, but they must also bear the responsibility of repaying on time. Overdue interest will not only accrue overdue interest, but according to the provisions of the contract law, the interest will be calculated at 150% of the agreed interest rate, and liquidated damages may be incurred, which is usually 5% of the minimum repayment amount. These fees add up and the amount owed can quickly increase.

What’s more serious is that overdue records will be entered into the personal credit reporting system of the People’s Bank of China, which will hinder financial activities such as applications for housing loans and loans, and may even affect loan approval within two years. If the amount is overdue for more than 3 months and the amount is large, the bank will try legal means. If unsuccessful, it may face criminal liability, including restrictions on high consumption behavior and credit penalties, such as restrictions on taking high-speed trains and airplanes, restrictions on loan or credit card processing, and even affecting Serve as a corporate executive, etc.

Therefore, for overdue credit cards of China Construction Bank, it is not enough to just repay the principal. Full performance of contractual obligations must be considered to avoid unnecessary legal and credit risks.