Repaying the credit card in two installments will not affect your credit report. It is recommended to pay off the credit card debt as soon as possible;

Overdue bad records will be recorded in your personal credit record. If you continue to fail to repay, you will be blacklisted and your personal credit report will be affected;

The bank's handling of overdue credit cards:

1. Consumption payments will no longer enjoy interest-free repayment. treatment. The card-issuing bank will calculate interest on a daily basis based on the consumption amount as the principal from the accounting date, with a daily interest rate of 0.05% and compound interest on a monthly basis; a 5% late payment fee will also be charged on the unpaid portion of the minimum repayment amount on a monthly basis. .

2. Receive reminder calls and reminder letters from the card-issuing bank.

3. If the credit card account is frozen by the card-issuing bank, the debt record may be fed back to the personal credit reporting system of the People's Bank of China, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a loan normally.

Special reminder: It is recommended that users who apply for credit cards make repayments on time and take good care of their credit;