No, the arrears did not meet the filing standards. If you owe more than 10 thousand yuan, you may be investigated for criminal responsibility. \x0d\ After the credit card is overdue, there are not only overdue interest, but also late payment fees. The overdue interest of the Bank of Communications credit card is the consumption amount *0.05%* the number of days the credit card is overdue, which is the amount to be repaid. Moreover, the calculation of overdue repayment interest is full penalty interest. If a part is repaid, the interest on the other part is not calculated, but the full interest of the money is calculated. \x0d\ Serious consequences of overdue credit cards: \x0d\ 1, overdue interest and late fees; \x0d\2。 Bad credit record; \x0d\3。 Banks will collect money and may face criminal problems. \x0d\ Credit card overdue solution: \x0d\ 1. If the cardholder forgets to repay, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record; \x0d\2。 When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to contact the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment; \x0d\3。 When the cardholder voluntarily applies for deferred repayment, the bank will often agree to postpone repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension; \x0d\4。 Credit card repayment information will be rolled in the central bank's credit information system for 24 months, and credit card overdue repayment records will be kept in the credit information system for two years. If the card is cancelled directly after the arrears are found, the information will not scroll, but will be saved for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.