Credit card overdraft must be returned on time, and interest must be calculated every day. The interest behind it is not a small expense. In addition, if you overdraw for three months without repayment, the bank will freeze your card or even blacklist it. In addition, overdue payment affects the customer's personal credit, which has a great impact on the customer's application for credit line in the future and even on the customer's mortgage.

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

If you haven't paid all the credits, you can pay the minimum repayment first, which won't affect the credit limit, and there will also be a buffer period, so that the bank can know the flow of funds in your account in time and won't freeze the account!

When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.

You can negotiate with the bank about the amount of overdue repayment.