1. Once it is overdue or overdue multiple times, it is very likely that a personal credit report will be filed, so you must not take any chances when using a credit card, otherwise it will be on the credit blacklist and your credit card will be blacklisted. It will have a great impact on future home loans and car loans, so the gains will outweigh the losses. Many people may not know that many banks have "tolerance services" for credit cards. The so-called "tolerance service" means that banks can tolerate a few yuan difference in the repayment amount of credit card users. Therefore, if your credit card is issued with a "tolerance service" and the tolerance limit of the "tolerance service" exceeds 10 yuan. So, if you pay 10 yuan less, it will not be considered overdue.

2. "Time-tolerant service" means that the bank will give credit card users 1-3 days to buffer the repayment after the repayment date. That is to say, if you pay off your credit card on the repayment date and find that you still have 10 yuan that you have not repaid, and then it takes 1-3 days after the repayment date to pay it back, even if it is during the "long-time service" time Repayments within the range are not considered overdue. However, this kind of "long-time service" is not provided to users by every bank.

3. If the minimum repayment amount of the credit card has been paid, ICBC will pay the unpaid portion (excluding liquidated damages, annual fees, cash withdrawal fees, currency exchange fees and other service fees) at the rate of 10,000 cents per day. 5. Overdraft interest will be charged from the bank recording date to the repayment date (cards subject to special interest calculation rules will charge overdraft transactions that enjoy the interest-free period, including the "repaid portion", from the bank recording date to the repayment date. overdraft interest as of the date), and the overdraft interest is compounded on a monthly basis. If the credit card fails to repay the minimum repayment amount on time, it will be deemed to be overdue. In addition to overdraft interest, overdue fees will also incur corresponding penalties.

4. If you pay less than the minimum repayment on your credit card, there will be an overdue record on your credit report, but it will not have any impact if it occurs once. It is recommended to pay more attention next time. Paying the minimum repayment will not incur a levy. Bad letter record. The minimum repayment amount means that if the cardholder has difficulty repaying all the amount payable before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the card issuer, but he cannot enjoy the interest-free repayment period. , the minimum repayment amount is 10% of the consumption amount plus other various payables. The minimum payment is listed on the current bill.