Hello! Overdue credit cards will produce bad credit records in PBOC credit information system; There will be interest and late fees for overdue repayment, and bad credit records will affect credit business such as loans.

If the minimum repayment amount is not paid, the consequences will be:

I. Bank Credit Card Banking Center will charge late fees and interest:

1. The late payment fee is calculated at 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is collected from the people.

2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.

Second, the influence of credit.

1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;

3. After a certain amount and time, the bank will freeze the credit card.

Overdue for 1 month shall be recorded as overdue once in the credit information. Although the impact is not great, it is tainted after all. Loans and credit cards are always more difficult than credit cards in the future, and may lead to an increase in loan interest rates or limit loan quotas.