(1) If it is not overdue within the grace period, if there is no grace period, the overdue interest and overdue fine will be calculated directly;

② The overdue fine is 5% of the arrears, and the interest is calculated at the daily interest rate of 0.5 ‰;

③ Call the credit card center or bank to explain the situation;

(4) If it is overdue once, it will be repaid immediately in a short time, which will not have any impact on the credit record;

⑤ It has a certain impact on the application, which will slightly reduce the withdrawal amount;

⑥ It has a certain impact on loans;

⑦ More than 60 diaries overdue are entered into personal credit records;

8 Records overdue for more than 90 days are regarded as bad credit information.