1. overdue: for overdue credit card holders, the bank will have a grace period of one to two months. During this period, the bank will call and send text messages to remind customers of repayment, and it will be officially counted as overdue in the third month.

2. collection: if the customer loses contact after the credit card is overdue, the bank will have a special team to collect it at home.

3. If the cardholder still fails to repay the loan, the bank will send a lawyer's letter to the customer.

second, overdue credit cards will have the following terrible consequences.

1. Penalty interest: Interest is charged at the rate of five ten thousandths of the daily interest.

2. late payment fee: the late payment fee is usually 5% of the overdue amount.

3. Personal credit impact: the most troublesome thing is the personal bad credit record caused by overdue-generally, if the credit card fails to repay more than three times, you can apply for a credit card or borrow a loan, but the amount is small, but the interest rate is high; Overdue repayment for more than 6 times or one overdue repayment will be included in the "blacklist", and credit cards and loans will not be available in the future.

4. Malicious overdraft: 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 three months after the card-issuing bank makes two reminders, it will be regarded as "malicious overdraft".

5. Criminal offence: According to the criminal law, maliciously overdrawing a credit card for more than 5, yuan constitutes the crime of credit card fraud, and may be sentenced to fixed-term imprisonment of less than 3 years; Malicious overdraft between 5, yuan and 2, yuan is a huge amount and may be sentenced to 5 to 1 years in prison; More than 2, yuan is a huge amount, and the sentence is over 1 years.

third, remedial measures after the credit card is overdue.

1. The cardholder should pay off the money owed in time;

2. If the credit card repayment is overdue due to the bank's reasons, or other acts of non-malicious default on credit card repayment, the cardholder may apply to the bank for personal objection handling to eliminate it;

3. To remind cardholders: If bad credit has been generated, don't try to cancel the card.

4. Legal provisions: Since 212, the central bank has issued new regulations on the retention time of credit records. According to the regulations, the retention time of personal credit records has been changed to five years. This means that if the cardholder has a bad record, after five years, the bad record will naturally be covered by a new record. Therefore, the best way to generate bad credit is to continue to use the card and maintain its long-term benign use, so as to "clear" the personal credit record through good credit transactions in the future.