If a credit card is overdue for one month, late payment fees and overdue interest will be incurred. Interest is generally charged at a daily interest rate of 5/10,000; in addition, late payment fees will also be incurred, and the late payment fee is usually 5% of the overdue amount. However, the parameters of late fees and interest charged by different banks are different depending on the specific amount.

Article 207 of the "Contract Law" stipulates that if the borrower fails to return the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.

If the cardholder fails to repay the minimum repayment amount before the repayment due date (inclusive) on the bill notice of the current month, the account will be collected by the card center collector on the day after the next bill date. Carry out telephone collection; if the customer has not paid off the minimum repayment amount within the specified time, the system will automatically issue a collection letter or the collector will issue a collection letter based on the account's telephone collection status and actual arrears. If the following situations occur, the bank will come to collect the debt:

1. The collection by letter and telephone collection are invalid, and the last payment date (overdue) exceeds two cycles (60 days);

2. Unable to be contacted by phone or letter;

3. Higher risks are found during collection by letter or phone;

If the cardholder is unemployed or ill. If you are unable to repay on time, before the final repayment deadline arrives, you can state your financial situation to the bank, declare that you are not maliciously overdrafting, and apply for delayed repayment and interest discounts. The most important thing is to maintain a positive attitude and communicate with the bank.

When a credit card is overdue for three consecutive times or fails to repay for a total of six times, a bad record will be left in the People's Bank of China's credit reporting system. Therefore, if it is only overdue for one month, it will not be entered into the credit reporting system for the time being. system, but it will affect the cardholder's future limit adjustment and is not conducive to increasing the credit card limit.

With the development of society, credit record is becoming more and more important. It not only affects personal economic life, but also extends to education, employment and other aspects. For example, when studying abroad, some foreign schools will ask whether the applicant's credit record is good; the civil servant promotion system in some domestic provinces will include personal credit records as assessment indicators; more and more employers are beginning to use job applicants' credit records to Decide whether to accept or not.

So cardholders must establish a rational concept of consumption and good financial management habits, use credit cards reasonably within the scope of their spending capacity, and avoid excessive consumption. In addition, you must develop good repayment habits and repay on time to avoid possible bad records due to late repayments.