1. overdue interest and liquidated damages: China everbright bank will calculate the corresponding overdue interest and liquidated damages according to the overdue days and overdue amount, so as to increase the repayment burden of credit cards.
2. Damaged credit record: overdue repayment will affect personal credit record, which is the basis for judging many important things, such as loans, renting houses and buying cars. Overdue repayment will reduce the credit rating, which will adversely affect the future lending and credit activities of individuals.
3. Collection action: China Everbright Bank can take collection action, including reminding and urging repayment by telephone, text message and letter. If the overdue period is too long or the amount is large, China Everbright Bank can also entrust a third-party law firm to conduct legal proceedings or take other legal means to collect the money.
To sum up, the consequences of non-repayment of credit cards for more than three months include overdue interest and fines, damage to credit records and collection actions. Faced with these consequences, it is the key to solve the problem to contact China Everbright Bank in time and negotiate the repayment plan.
Extended data:
According to the Administrative Measures for Personal Credit Information Industry of the People's Bank of China, overdue repayment of credit cards will be included in personal credit records, which may adversely affect future credit activities such as loans, credit granting and leasing. Therefore, reasonable expenditure planning and timely repayment are important measures to maintain a good credit record. In case of repayment difficulties, it is suggested to contact the bank as soon as possible and put forward a reasonable repayment plan to win the understanding and support of the bank.
In addition, overdue repayment will not only have a negative impact on personal credit, but also bring unnecessary burden to your financial situation. Therefore, it is recommended to fully understand the repayment requirements and interest rules of credit cards, properly manage and use credit cards, and avoid the risk of overdue repayment.
The above is the answer to the consequences of more than three months' unpaid credit card of China Everbright Bank. I hope it helps you. If you have more questions, please consult the customer service or related professionals of China Everbright Bank in time.