1. If a credit card holder forgets to repay one day overdue, the payment can be processed in time. If the card is one day overdue, the cardholder's personal credit will not be affected. Under normal circumstances, the card-issuing bank has a grace period of about three days. As long as the cardholder can repay within the grace period, it will not be considered overdue. In other words, forgetting to repay a credit card for one day generally has little impact. It is best to repay in full immediately and contact the bank to explain the situation and inform them that it is not a malicious overdue payment.

2. If you forget to repay the credit card beyond the repayment grace period, the bank accountant will charge penalty interest. In addition, for cardholders who repay outside the grace period, their personal overdue records will be uploaded to the central bank's credit report. When your credit card debt is overdue, you must proactively take corrective measures to save it. Maintaining a good repayment record and covering the original negative records with new repayment records is the best way to deal with it.

First of all, overdue repayment will result in credit card penalty interest, which is charged at a daily interest rate of 0.5%, which is very costly; in addition, late payment fees will also be incurred, which are usually 5% of the overdue amount. Not only that, the most troublesome thing is the bad personal credit record caused by overdue credit. Once a personal bad credit record occurs, it will first affect your loan application. It is understood that generally, credit card overdue repayments do not exceed 3 times. You can apply for a credit card but the limit is very small. You can also get a loan, but the interest rate is very high. Those who overdue repayments more than 6 times or do not repay once will be included in the people's list. The bank's personal credit system is on the blacklist. If you are on the blacklist, you will not be able to apply for credit cards or loans.

It is worth noting that it is a crime to overdraft a bank card maliciously! "Malicious overdraft" means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and the card-issuing bank has twice If the money is not returned more than three months after collection, malicious overdraft is a criminal act of credit card fraud. The criminal law stipulates that malicious overdraft of more than 5,000 yuan on a credit card constitutes the crime of credit card fraud and may be sentenced to a fixed-term prison sentence of less than 3 years; malicious overdraft between 50,000 yuan and 200,000 yuan is considered a huge amount and may be sentenced to 5 to 10 years in prison. ; The amount of more than 200,000 yuan is extremely large, and the prison term is more than 10 years.

What should you do if your credit card is overdue?

If you really encounter an overdue credit card, it is recommended to use the following 4 methods to remedy the situation:

1. It is best to continue using this card after it expires. The best way is to continue to use this card and cover the original negative record with a new normal repayment record. Generally, a new credit record will be generated after 24 months. In this way, personal credit, etc. will not be affected after the record is refreshed.

2. Don’t run away. If you are overdue for a long time, your credit card will accrue interest and there will be high late payment fees. If you run away, the bank will think that you are maliciously overdrafting and will call the police.

3. Inability to repay must be explained in time. If you are unable to repay on time due to unemployment or illness, before the final repayment deadline comes, state your financial situation and state that you do not owe money maliciously, and you can apply for a deferral of repayment. Payment and interest discounts.

4. It is best to repay in full and explain that if you forget to repay due to usual carelessness, you must repay in full as soon as possible after you find it is overdue, preferably in full, because after repaying in full You have the best chance of winning by calling the bank to explain that the debt is not malicious and requesting that the overdue record be eliminated.