After two months of overdue credit card payments, you can usually no longer pay only the minimum amount.

Details:

1. Overdue credit card repayment refers to failure to repay the balance on time beyond the due date of the bill.

2. If a credit card payment is overdue for two months, the bank will regard it as a serious default and may take the following measures:

a. Increase the interest rate: the bank has the right to adjust the credit card Interest rate, charge higher interest.

b. Close credit card: The bank may close your credit card account, making it impossible to use it again.

c. The minimum payment option is no longer available: The bank may require you to repay the entire balance at once and no longer accept the minimum payment.

3. Late repayments will have a negative impact on personal credit history and may affect future loan applications and credit ratings.

4. In order to avoid late repayment, you should plan your repayment plan in advance to ensure timely repayment or try to pay off all outstanding debts.

Summary:

After a credit card payment is overdue for two months, it is often no longer possible to pay only the minimum amount. Banks may take tougher measures and demand full repayment of the amount owed. Late repayments will have a negative impact on your personal credit history, so timely repayment is an important step in maintaining good credit.

Extended information:

According to China’s personal credit system, overdue repayments will be recorded in the personal credit report. Frequent overdue payments or long-term overdue payments will have a lasting negative impact on your personal credit rating. A lower credit rating may result in being unable to obtain financial services such as higher loan amounts and car installment payments. Therefore, it is recommended to develop good repayment habits to avoid overdue credit card repayments.