Consequences of overdue credit card for two years: 1. Bad credit records will be generated, which will affect personal credit and future credit business, such as loans, car loans, mortgages and handling other businesses. And it will also affect individuals who handle credit card business in other banks; 2. Overdue repayment will generate interest and late fees. If the default time is too long, it will generate high interest and late fees; 3, overdue for more than half a year, the bank can bring a civil lawsuit to the court, demanding compulsory repayment; 4. If it is a malicious overdraft and refuses to repay, the large amount may involve the crime of credit card fraud and need to bear criminal responsibility.

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Credit card repayment type:

Intra-bank repayment

The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!

Convenience store repayment

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Network repayment

Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Make an inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Guimiantong

Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.

Lacarra

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.

Xinfutong

"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Repayment pass

Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

Intelligent repayment

The main function of the new industry is to use the balance of 5%- 10% in the card to make a good consumption repayment plan, and then automatically recover the consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. The basic functions are bill management, local payment, card-free application, etc.