There are no adverse consequences for postponing the repayment of Changsha Bank credit card by one day.

An overdue credit card will definitely affect your personal credit record. However, please note that paying after the final payment date does not necessarily mean that the payment is overdue. Changsha Bank provides cardholders with a repayment grace period. Generally, the repayment grace period is delayed by at least 3 days from the last repayment date.

In other words, if you miss the credit card repayment date for two or three days, it is not considered overdue, but if it exceeds three days, it will be regarded as really overdue, and the bank will charge you 10,000 per day. Five interest will be calculated, and the overdue record will be saved in your credit data.

Extended information:

Overdue credit card repayments will face the following consequences:

1. Overdue credit card late payment fees.

The so-called overdue credit card fees refer to the fees that should be paid to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount. cost.

2. Overdue interest.

After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the cardholder's expenses for the previous month will be forfeited. No longer enjoy the bank's interest-free treatment, but the recurring daily interest rate is as high as 0.5%, that is, the annual interest rate reaches 18.

3. Bad credit record.

Credit card overdue repayment records will enter the central bank’s credit reporting system to generate bad credit records. Our country’s personal credit reporting records have been networked nationwide. As long as individual residents have handled loan business at banks, applied for credit cards, or If someone else has provided a guarantee, you can check the credit report at any domestic commercial bank.

4. Litigation costs.

If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder.

5. Criminal liability for malicious overdraft.

According to Article 196 of my country's "Criminal Law" and relevant judicial interpretations, malicious overdraft means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and the card holder still overdrafts after being called by the card issuer. The act of not returning.

Those who maliciously engage in credit card fraud through overdraft will be held criminally responsible for credit card fraud and be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan.

People's Daily Online - Credit card repayments that are overdue for one day will not be included in the bank's "blacklist"