If your credit card is 10 days overdue, please contact the bank's credit card center as soon as possible to explain the reason and make up the balance.

Generally speaking, each bank will charge a certain amount of interest for overdue repayment. Each bank is different, usually an interest of 0.05%. However, the interest accrual date is calculated from the date of consumption, not the date after the final repayment date.

It is recommended that if the entire limit is not met, you can pay the minimum repayment amount first, which will not affect your credit limit. At the same time, there will be a buffer period to facilitate the bank to understand the capital flow of your account in a timely manner. Freeze the account!

When a credit card (credit card) holder chooses the minimum repayment method or uses the card beyond the credit limit approved by the card-issuing bank, he will no longer enjoy the interest-free repayment period and must pay the unpaid portion of the loan. Overdraft interest calculated based on the prescribed interest rate from the bank accounting date.

Extended information:

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 18 The maximum overdraft period of a credit card is 60 days.

Article 19 Credit card overdraft interest will be calculated at a daily interest rate of 5/10,000 within 15 days from the date of signature or bank accounting date, and a daily interest rate of 10/10,000 for more than 15 days, and 10/10,000 for more than 30 days. Or if the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 15%. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.

Article 33: Any unit that opens a basic deposit account at a financial institution within the territory of the People's Republic of China and the People's Republic of China may apply for an unit card. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There may be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35: All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.

Article 36: Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or transfer the account.

Article 37 After the cardholder has paid off the principal and interest of the overdraft, the cardholder can cancel the account if it falls into one of the following circumstances:

(1) 45 days after the expiration of the credit card validity period, the cardholder shall The person does not replace the new card;

(2) After 45 days of reporting the loss of the credit card, the credit card does not have an additional card and does not replace the new card;

(3) The credit card is not good and is included in the Stop payment list, the card-issuing bank has withdrawn the credit card for 45 days;

(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;

(5) ) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has not had any transactions for more than two years (inclusive);

(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.

Article 38: The card-issuing bank shall take back the credit card when canceling the account. If a valid card cannot be recovered, payment should be stopped.

When canceling the account, the balance of the corporate card account will be transferred to the basic deposit account, and no cash withdrawal is allowed.

Article 39 If a credit card is lost or stolen, the cardholder should immediately apply for a loss report to the nearest card-issuing bank or agency bank with his or her ID card or other valid certificate, and provide relevant information as required. Loss reporting procedures.

Article 40: If the cardholder finds his or her credit card after applying for a loss report, he or she may apply to cancel the loss report and stop payment.

Baidu Encyclopedia-Overdue Repayment