Novices should pay attention to the billing date and repayment date, spend reasonably, repay on time, and don't cause overdue.

The overdue credit card is a breach of contract, so it will tarnish personal trust, which is not conducive to the later bank lending business and produce overdue records in the credit report.

Consequences of overdue:

1, bear high penalty interest;

2. Causing legal disputes;

3. Leave a "credit stain" in the national credit information system.