As a banking industry, you can send text messages or phone calls once the payment is overdue. If it is within 10 days, it is normal. If it exceeds 10-15 days, it is overdue. If it is overdue twice in a row, it will be blacklisted.

Credit cards are generally overdue, which is normal. Banks will charge overdue interest, which is the source of bank profits. Please be careful not to be overdue continuously. Continuous overdraft is a vicious overdraft behavior and is one of the important targets of banks' crackdowns.

If it is a China Merchants Bank credit card, the minimum repayment amount is the minimum amount stipulated by the bank that you must repay before the monthly repayment due date. You may not repay the full amount but the repayment amount in each period must be greater than the minimum repayment amount. Amount, which is your basic repayment requirement to maintain a good credit record. If you choose the minimum repayment and are unable to enjoy the interest-free repayment period, all purchases in the current period will accrue interest from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until you pay it off in full. If you repay the current payment amount stated on the bill in full before the payment due date, you will enjoy the interest-free period for your consumption payments. You can choose the repayment method based on your specific circumstances. Minimum repayment amount = 10% cash advance principal + 10% non-cash advance transaction principal + 100% fees + 100% interest + 100% excess consumption + 100% unpaid portion of the minimum repayment amount in the previous period + 100 % of the single installment amount. Please refer to the minimum repayment amount listed in the bill.