The following situations will cause a credit card to become overdue:

1. The repayment amount is less than the minimum repayment stipulated by the bank;

2. The repayment date stipulated by the bank exceeds Repayment (outside the grace period);

3. Repayment through inter-bank transfer, the arrival time exceeds the repayment grace period.

If you pay off the bill after the due date and before the repayment date, you can enjoy the interest-free period; if you repay overdue, you will have a bad credit record, you will not be able to enjoy the interest-free period, and you will also need to pay late fees

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1. Credit card

Credit cards have two concepts: billing date and repayment date (also known as the final repayment date). The billing date is the day when transactions within a billing cycle are settled, and the repayment date is a return period. Because it is impossible to restore the situation of your contact with customer service, it does not rule out that you misunderstood the customer service staff's explanation or the customer service staff's explanation was unclear or even incorrect.

The main function of the repayment date is for banks to determine whether the cardholder has a malicious overdraft tendency and to determine the cardholder's financial status. Therefore, repayment after the final repayment date will inevitably result in an overdue record. Whether this record can be changed from the central bank requires further negotiation with the card issuing bank.

2. Overdue credit cards usually have the following consequences:

1. Overdue interest, liquidated damages and other fees: Overdue credit cards will calculate interest from the day the card is swiped, usually 0.05% The daily interest is compounded on a monthly basis; liquidated damages are generally 5% of the unpaid portion of the minimum repayment amount.

2. Bad credit records: After overdue, bad records will appear on personal credit reports, which will affect future loan applications.

3. You may face criminal liability: If you are overdue for a long time and the overdue amount is large, you may receive a payment reminder from the bank; if you still do not repay the debt after the bank reminds you, you may face criminal liability. Criminal liability.

In general, the impact of overdue credit cards is still relatively large. It is recommended that you make sure to repay on time.

If your credit card is about to expire or has already expired, it is recommended that you call the bank's customer service phone number in time, proactively explain the situation, find out whether you can apply for a deferment of repayment or a reduction of penalty interest, and repay it as soon as possible. If you find that your credit card is extended, don’t panic. Raise money as soon as possible and pay off all outstanding debts. After calling the bank, I told him that he had been busy recently and had forgotten.

If the overdue payment exceeds the grace period, just maintain good card usage habits and avoid overdue payment again. After 24 months, overdue records will be overwritten by new consumption bills. A serious overdue credit card will leave a bad credit record, which will definitely have an impact on your future loans. It is recommended to pay off the money as soon as possible. In addition, if the bank is overdue for a long time or maliciously owes money, you can take legal channels. Those who are suing hope to attract attention.