For cardholders, it is not a good idea to not pay back their credit cards overdue. In addition to the high interest rates, it will also affect their personal credit. In serious cases, they may be jailed, resulting in overdue payments. The reasons are usually due to non-payment of credit cards or poor repayment ability. So some people may ask what to do if they pay a few cents short on their credit card.

As we all know, there is a total repayment amount on a credit card bill, and there is also a minimum repayment amount. The consequences of paying a few cents less than the two amounts are different, as follows:

1. Total amount owed Pay back a few cents less than the amount:

This is not an ordinary big deal, and it does not have to expire. In fact, there is no need to worry. What's wrong? This involves a tolerance issue. Many banks can provide time tolerance services. Time tolerance means that the loan amount is negligible if it is less than 10 yuan, and naturally it will not be considered overdue. Of course, the specific situation depends on the standards of each bank.

2. A few cents less is the minimum repayment amount:

As we all know, as long as the minimum repayment amount of a credit card can be repaid on time, it is not considered overdue. If the minimum repayment amount can be repaid on time, it is not considered overdue. For a few cents, that's very suitable. Expiration will affect your personal credit. Although you won't be arrested and jailed, it will incur high penalty interest, and interest will be calculated and compounded every day, which will become serious over time.

And I know that there are two different situations when you pay a few cents less on your credit card, which is easier to deal with.

If you pay back a few cents less than the total debt, you basically don’t have to deal with it. The bank will forget it for you, so what do you think? And if the minimum repayment is a few cents short, it is best to repay as soon as possible before the bank reports to the central bank, and contact the bank immediately after repayment to see if you can restore your credit.