1. The bank credit card banking center will charge a late payment fee and interest:
1. The late payment fee will be calculated at 5% of the unpaid part of the minimum repayment amount, and the minimum payment will be 1 yuan or US$ 1
2. At the same time, the bank will also charge interest of five ten thousandths of the whole bill every day.
2. Impacting credit
1. If it is overdue within one month, it is considered overdue once. As long as it is overdue, even once, it is more difficult to increase the credit limit;
2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to get a loan and apply for a credit card in the future;
3. If the overdue period exceeds a certain amount and time, the bank will freeze the credit card.
iii. Impact on life
For customers with long-term overdue repayment, according to the relevant provisions of the Guidelines on Outsourcing Risk Management of Banking Financial Institutions issued by the China Banking Regulatory Commission, banks can entrust some non-core businesses to a third party for business needs. As long as the legal procedures are fulfilled, the bank can entrust a third-party institution to remind the repayment.
The common methods of dunning by third-party institutions are:
1. Call the person, unit or family of the debtor, issue warnings and threats, and pursue them;
2. Go to the door to collect money and take turns bombing.
These behaviors will bring great mental stress to the debtors and their families, which will seriously affect their daily lives. It is recommended to repay them as soon as possible.
fourth, if you take a lawsuit, you may go to jail.
1. If it is not paid back for a long time, the bank will pursue it through legal channels.
2. If the credit card is not repaid, if it is judged as malicious overdraft and the amount is large, it can be put on file.
3. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being urged twice by the issuing bank, it shall be deemed as malicious overdraft.
4. According to Article 196 of the Criminal Law of the People's Republic of China, "malicious overdraft" is a crime of credit card fraud.
5. The amount of malicious overdraft is more than 1, yuan, which is considered as "a large amount" as stipulated in Article 196 of the Criminal Law, and it has already been a crime.