If the credit card is overdue, the user should repay the credit card to the issuing bank in time. The repayment methods for overdue credit card:

1. Within the issuing bank: including the counter of the issuing bank, ATM, online banking, automatic transfer, etc. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

2. Transfer and remittance repayment: mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

3. Online repayment: Common online platforms in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

4. Repayment in convenience stores: This method mainly completes repayment through the "Lacarra" smart payment terminal installed in convenience stores. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

5. Counter-connected repayment: Counter-connected refers to the bank card issued by various networked financial institutions, and the current RMB deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

6. Repayment by Xinfutong: Xinfutong Smart Card Phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Extended information:

1. Impact of overdue credit card:

1. If the credit card fails to repay on time, a penalty will be incurred, which is generally 5% of the minimum repayment amount.

2. If the credit card fails to repay the loan on time, it will generate high interest, and it will be a rolling interest. In the case of large debts, the interest will be a lot.

3. The overdue period will stain the credit record, which will lead to the inability to handle financial needs such as house purchase and loan in the next two years.

4. If it is overdue for more than 3 months and the amount exceeds 1,, the bank has failed to make several reminders, and it will not only pay back the money, but also bear criminal responsibility.

2. Precautions for overdue credit cards:

Cardholders should pay special attention to the last repayment date of credit cards. The last repayment date is the last day of the interest-free repayment period. Before that, repayment is interest-free. If it is overdue, all consumption funds will no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis with the consumption amount as the principal, with a daily interest rate of .5 ‰, with a monthly compound interest and a late fee.

Credit card late payment refers to the fact that when the actual repayment amount of the credit card is lower than the minimum repayment amount on the due repayment date, the cardholder has to pay a late payment fee for the unpaid part of the minimum repayment amount, which is generally 5% of the unpaid part of the minimum repayment amount. However, due to different bank policies, the minimum amount is different.

people who have no economic income, such as students, should not apply for credit cards easily. Even if they don't use credit cards, they have to bear annual fees and other items. Holders of credit cards give up the use of credit cards and go through the formalities of returning the cards in time. Otherwise, the expenses of credit cards and the interest and late payment fees generated later will lead to personal economic losses and credit reduction, which will affect mortgages and car loans.