A month's overdue repayment of a credit card will lead to a bad credit record, and you need to pay a late fee and five ten thousandths of interest every day. And overdue records will automatically enter the credit information system of the People's Bank of China, and no commercial bank needs to report them. So even if the repayment is overdue by one day, it can be seen in the system.

The consequences of overdue credit cards are:

1, the bank credit card banking center will charge a late payment fee and interest: the late payment fee is calculated at 5% of the minimum unpaid amount, and the minimum is 10 yuan RMB or 1 USD, and the bank will also charge five ten thousandths of the whole interest every day.

2. Impact on credit: overdue once within one month is considered overdue, even if it is overdue once, it is difficult to increase the quota. If it is overdue for three times in a row or six times in total, it will be difficult to get a loan and apply for a credit card.

3. After a certain amount and time, the bank will freeze the credit card. The overdue records that have been generated cannot be revoked, but they can be overwritten after 24 months of timely repayment in the future use process.

Extended data:

Precautions:

1. Consumers should pay attention to the interest-free period. If they repay the loan within the interest-free period, the loan interest for non-cash transactions can be exempted, otherwise the bank will charge the loan interest and late fees. It should be noted that if the cardholder only repays part of the loan during the interest-free repayment period, but it is higher than the minimum repayment amount, most banks will charge interest on the overdraft part of the cardholder, rather than the unpaid part of the loan, because the bank thinks that the cardholder has given up the interest-free repayment treatment.

2. Credit card overdraft only enjoys the interest-free repayment period of the bank, while cash overdraft has no interest-free repayment period. Try to swipe your card for overdraft consumption.

3. Credit cards issued by different banks are different in terms of annual fees and exemption from annual fees, late fees, cash withdrawal fees, and interest-bearing methods. Once there are too many credit cards, they may be confused and may eventually endanger personal credit. Therefore, you must apply for a credit card as needed.

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