installments or all of them can be paid. I suggest you check the bill, and the payable amount shown on the bill shall prevail.

focus on what will happen if the deadline is not met:

micro-one, what should I do if my credit card is overdue?

granule 1. quick remedy for overdue credit card

if the loan is overdue, you should immediately call the banking service bai to explain that it is not a malicious arrears, and make up the arrears in time.

well, under normal circumstances, banks will have a grace period of three days. once cardholders find that their credit cards are overdue, please deal with them immediately to avoid leaving bad records.

2. How to deal with bad records

If the cardholder has left a bad record in the bank, don't cancel the card in a hurry after paying the arrears and explaining the situation. Once the card is cancelled, the personal credit record cannot be updated, so the bad record will always be recorded in the bank, causing serious consequences.

the correct way is to continue to use this credit card, and maintain a good credit record for at least 2 years, which will basically not affect personal mortgage, loan, credit card application and other businesses.

At present, the retention period of credit records in China is 5 years.

In actual use, don't hope to remedy the overdue credit card or eliminate the bad record, but use the card rationally. Developing good credit card and repayment habits, timely repayment and not overdue are the basis to ensure a good credit record.

second, the consequences of malicious overdraft of credit cards

(1) Chinese laws stipulate that those who maliciously overdraw credit cards with an amount of more than 1, yuan should file a case for prosecution.

Malicious overdraft means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank. Malicious overdraft, the amount of which is more than 1, yuan but less than 1, yuan, has been repaid in full before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

(II) The following points should be noted when judging malicious overdraft:

1. The cardholder is a legal cardholder. If someone steals or fraudulently uses another person's credit card, it constitutes the act of stealing or fraudulently using another person's credit card, but it does not constitute malicious overdraft.

2. The cardholder intentionally fails to repay the loan. For the purpose of illegal possession, that is, the overdrafter clearly knows that he is unable to return it before overdraft, but still uses the card to spend or withdraw cash. Or an act that has the ability to repay but doesn't want to pay it back after consumption or withdrawal. It is a subjective unwilling behavior. In the process of estimating whether the actor's purpose is illegal possession, we must distinguish whether this kind of behavior is subjectively malicious and not returned, or whether the actor can't return it because of reasonable objective factors. This is the key to distinguish malicious overdraft from goodwill overdraft.

3. Malicious overdraft includes overdraft exceeding the prescribed overdraft limit, overdraft exceeding the prescribed time limit and non-repayment after collection. The overdraft limit refers to the amount of personal credit guarantee short-term loans that cardholders can use as stipulated by the issuing banks. For overdrawn cardholders, the card-issuing banks can make a collection according to the repayment period. If the cardholder returns it automatically without bank collection or in time after collection, it will not be treated as a crime.

Finally, credit card holders should be reminded that they should repay in time after overdraft consumption. Once the credit card user fails to repay the loan many times, not only will the bank charge higher interest and late fees, but the cardholder's own credit will also be reduced, which will be affected when handling car loans and mortgages in the future. In fact, some formal credit products are also very good, such as the micro-wei li loan I used in WX, and the interest is not high, which is the correct bonus hunter way.

what about overdue credit cards? First of all, the bank will have a three-day grace period. If the repayment is made within the three-day grace period, it will basically not be considered overdue. If it is unable to repay due to economic problems, it should try its best to repay the minimum repayment amount. Although this will generate some interest, it can ensure that the credit card will not have a bad record. If malicious overdraft is caused by malicious non-repayment during the use of credit cards, it will bear criminal responsibility, so you must pay attention to repayment on time when using credit cards to avoid adverse consequences.

reference sources