The total amount of two credit cards in the same bank is fixed. Simply put, users have two credit cards in a bank, but their quota is 20 thousand yuan, and the total amount is 20 thousand yuan. Among them, the two cards can be used in turn, staggered billing dates, and can share the repayment pressure. And different cards enjoy different services, and the interest-free period is longer.

What's the impact of a one-day overdue credit card?

1. Personal credit information is affected. If the credit card has no grace period for repayment, if it is overdue for one day, the overdue record will be uploaded to the central bank's credit information system, which will affect the user's personal credit information. Moreover, once the overdue records are uploaded to the credit information system, the overdue records will be retained for five years. At the same time, it will also bring resistance to users to handle other credit business in the future.

2. There will be penalty interest, and there will be a certain penalty interest and late payment fee for one day overdue.

3. If the card cannot be used normally, the credit of the cardholder will be affected if it is overdue, and the issuing bank will also reduce the quota and control the risk of account cancellation, which will have a certain impact on the subsequent use of the cardholder.