What are the consequences of an overdue CCB credit card?

An overdue credit card will usually have the following consequences:

1. Overdue interest, liquidated damages and other fees will be incurred: an overdue credit card will start from Interest will be calculated from the day the card is swiped, usually a daily interest rate of 0.05%, and compound interest will be calculated monthly; liquidated damages are generally 5% of the unpaid portion of the minimum repayment amount.

2. Bad credit records: After overdue, bad records will appear on personal credit reports, which will affect future loan applications.

3. You may face criminal liability: If you are overdue for a long time and the overdue amount is large, you may receive a payment reminder from the bank; if you still do not repay the debt after the bank reminds you, you may face criminal liability. Criminal liability.

In general, the impact of overdue credit cards is still relatively large. It is recommended that you make sure to repay on time.

If your credit card is about to expire or has already expired, it is recommended that you call the bank's customer service phone number in time, proactively explain the situation, find out whether you can apply for a deferment of repayment or a reduction of penalty interest, and repay it as soon as possible.

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This answer is provided by Kangbo Finance. Kangbo Finance focuses on interpretation of hot financial events and popularization of financial knowledge. It adheres to professionalism and pursues fun, and produces financial content that people can understand, using vivid and diverse methods. Deliver financial value. Hope this answer is helpful to you.

What are the worst consequences if you default on your CCB credit card payment for 3 months?

Once the cardholder repays overdue, the bank will calculate interest at 50,000 per day starting from the next day of consumption. Overdue accounting will compound interest, so the longer the overdue period, the higher the daily interest will be.

When the overdue time reaches a certain period, the bank will send relevant reminder notices. The consequences of overdue credit card payments! When applying for a credit card, your real-name information has been recorded by the bank. If you have a malicious overdraft or default, the bank will call the police.

When the amount of debt owed is large and the overdue period is long, it may even violate the Criminal Law. The consequences of overdue credit card payments! If the bank collects money twice and does not return it for more than three months, and the amount exceeds 10,000 yuan, it may constitute a crime.

If the overdraft exceeds the prescribed limit or time limit and the card issuer still fails to repay it after two calls for more than 3 months, it will be classified as a malicious overdraft. The consequences of overdue credit card payments! If the amount of malicious overdraft is relatively large, the penalty will be RMB 5++++ or short-term imprisonment.

CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc. Credit card categories are divided into: regular card, gold card and platinum card.

For details, please refer to the web link of Article 196 of the Criminal Law

Are there any serious consequences for overdue CCB credit cards?

1. The CCB credit card is overdue and not repaid.

2. The consequences are as follows:

3. If the credit card is overdue for more than six months, it will be ++.

4. Banks mainly use the following five methods for credit card collection:

5. SMS collection. It is mainly aimed at the overdue repayment behavior of early cardholders, which is generally 7 to 15 days overdue. SMS mainly serves as a reminder.

6. Telephone collection. Mainly for overdue behavior that exceeds 30 days and lasts for more than one billing period, telephone reminders are provided for repayment.

7. Door-to-door collection. Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment.

8.++++. Mainly if the card is overdue for more than six months, the bank will apply to ++ and require ++ repayment from the cardholder.

9. Outsourcing collection.

Mainly for overdue funds of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.

This is the end of the introduction to the consequences of overdue repayment of CCB credit cards.