Credit card overdue refers to the situation where the cardholder fails to repay the credit card debt on time. Overdue means failure to comply with the repayment date and amount agreed on the credit card, resulting in the credit card account being overdue.

The specific meaning of overdue is as follows:

1. Breach of contract: Overdue credit card means that the cardholder fails to repay the credit card debt on time, which violates the agreement signed with the credit card issuer.

2. Late payment fees: Overdue repayment will result in late payment fees. The bank will calculate the late payment fees based on the number of overdue days and the overdraft amount and add them to the credit card account.

3. Impact on credit record: Overdue records will be recorded by banks and credit reporting agencies, affecting the credit record and credit score of cardholders, which will in turn affect applications for loans, house rentals, etc.

4. High interest charges: After the cardholder repays overdue, high interest charges will be incurred on the overdraft amount, which increases the repayment burden.

5. Collection and legal proceedings: Banks collect collections on overdue credit cards, including phone collections, door-to-door collections, etc., and may take legal measures to prosecute cardholders.

In short, an overdue credit card means that the cardholder fails to repay the credit card debt on time, violates the credit card agreement, and may lead to a series of adverse consequences, such as late payment fees, damage to credit history, high interest rates, and debt collection. and legal proceedings, etc.

Extended information:

There are different levels of credit card overdue, which are generally classified according to the number of days overdue and the amount of overdraft. Usually divided into minor overdue, serious overdue and vicious overdue. Slight overdue generally refers to a short overdue period and a small amount, serious overdue refers to a long overdue period or a large amount, and a vicious overdue is more serious, referring to multiple overdues in a row or a very large overdue amount. Different overdue levels will also lead to different severity of consequences.

To avoid overdue credit cards, cardholders must pay attention to the following points:

1. Record the repayment date: Cardholders should clearly record the repayment date of the credit card and record it on the Repay the loan on time before it is due to avoid forgetting to repay and causing overdue payment.

2. Manage financial status: Cardholders should reasonably arrange the use and repayment of credit cards based on their own financial status to ensure that they can repay their debts on time.

3. Set reminder notifications: You can set a credit card repayment reminder function on your mobile phone to remind cardholders to repay in advance and reduce the possibility of overdue payment.

4. Flexible repayment methods: You can choose automatic repayment or scheduled repayment to ensure timely repayment and reduce the risk of forgetting to repay.

To sum up, an overdue credit card is a situation where the cardholder fails to repay the credit card debt on time. The consequences include late payment fees, damage to credit history, high interest rates, collections and legal proceedings. Cardholders should maintain good repayment habits and avoid overdue payments to maintain their credit and financial status.