overdue interest on credit cards will keep rolling. The expenses incurred after overdue are interest and liquidated damages respectively. If the arrears are not paid off in time, after the interest-free period, the bank will generate late fees on a monthly basis, interest on a daily basis and annual fees on an annual basis, and then day after day, year after year. The expenses incurred by the above deduction and interest deduction should be counted as your principal in a unified way, and continue to be deducted. So it's always right for credit cards to be timely.

if the credit card is really overdue, you can take the following measures to delay the pressure first.

1. use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. However, you should know that interest is also charged for the minimum repayment amount, with a daily interest of five ten thousandths. So it can only relieve stress temporarily.

2. Use the staging function. If there is pressure on repayment, apply for bill installment directly. Generally, banks provide the functions of 3, 6, 9, 12, 18 and 24 installments, so that the repayment person can choose the number of installments he wants according to his repayment ability, which will not only alleviate the repayment pressure, but also will not affect the credit.

3. extend the repayment period by changing the billing date. Of course, the billing time can't be changed casually. Generally speaking, it takes half a year to change it. Some banks change it once a year, and some banks can only change it once.

4. Take the initiative to negotiate with the bank. If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious, and then discuss whether you can delay the repayment.

Although the credit card has the function of overdraft, it actually constitutes the loan relationship between the customer and the bank. If it is not repaid at maturity, it may not only cause legal disputes, but also bear high penalty interest, and most importantly, it will form a bad credit record, which will adversely affect future work and life. Therefore, credit cards must not be overdue.

: consequences of overdue credit card:

1. The consequences of overdue repayment of credit card are very serious, so overdraft consumption should be moderate. First of all, you need to bear a high penalty interest when you are overdue. After the credit card defaults, the penalty interest fees usually involved are revolving interest fees and late fees.

revolving credit is essentially a small unsecured loan with daily interest. If it is not fully repaid on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

2. causing legal disputes. The violent collection of credit cards has become a hot topic. Many credit card centers of banks outsource the collection of credit card repayment to some "debt collection companies". These companies are mixed, and the means of debt collection are relatively rude, which brings troubles to the life and work of borrowers.

3. Overdue will leave a "credit stain" in the national credit information system. As long as you have applied for a card or made a loan in a bank, you will automatically generate your own "credit report" in the credit information system. Once there is a record, it will affect the application for various loans, insurance, job hunting and overseas study. Bad records are generally kept abroad for 7 years.