Overdue bad records will be recorded in personal credit records, and if they are not returned all the time, they will be blacklisted, which will affect personal credit information;

How to deal with overdue credit cards:

1. Consumers no longer enjoy interest-free repayment of their money. The issuing bank shall calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis; For the unpaid part of the minimum repayment amount, a late fee of 5% will be charged every month.

2. Receive a dunning call or letter from the issuing bank.

3. The credit card account is frozen by the issuing bank, and the debt record may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and cause the cardholder to fail to apply for a loan normally.

Special reminder: users who apply for credit cards are advised to repay on time and maintain their credit information;

There are many ways to repay by credit card:

1. Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

2. Counter refers to the bank card issued by networked financial institutions, which is used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Trading Center.

3. Repayment by using "Repayment Pass" is generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

4. Reimbursement within the issuing bank. The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

5. Convenience store repayment, mainly through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.