When a credit card is 10 days overdue, the first step is to contact the bank's credit card center as soon as possible, explain to them the reason for the overdue payment and pay the outstanding balance as soon as possible. Overdue repayment usually accrues interest. Each bank has different interest rate standards, but it is usually 0.05% per day. Interest calculation starts from the date of consumption, not after the date of repayment. For cardholders who are unable to repay the entire limit at once, it is recommended to pay the minimum repayment amount first. This will not affect the credit limit, and the bank can also keep abreast of the account fund status to avoid the account being frozen.

It is worth noting that if you choose the minimum repayment amount or use a credit card in excess of your credit limit, you will no longer enjoy the interest-free repayment period, and you will need to pay a daily interest rate of 5/10,000 to 15,000/day. Overdraft interest is paid as standard. According to the "Credit Card Business Management Measures", the maximum overdraft period is 60 days, and there are clear rules for the calculation of overdue interest. For organizations and individuals to apply for credit cards, there are strict qualification requirements and stipulated fund deposit restrictions, which can only be used by the legal cardholder himself, and the conditions and procedures for canceling the account are clearly stipulated.

In short, if your credit card is overdue for 10 days, you need to communicate with the bank in time, make a repayment plan based on your own situation, and understand the relevant interest and fee regulations to maintain a good credit record. If your credit card is accidentally lost or stolen, report the loss as soon as possible and take appropriate measures.