1. The mortgage credit card is overdue and the interest rate rises 10%. In the future, the monthly payment will be recalculated according to the interest rate after the benchmark interest rate rises by 10%, combined with the remaining arrears and the remaining repayment periods.

Second, the credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.

Three, "monthly payment" refers to the purchase of commercial housing, motor vehicles, etc. If it is mortgaged by a bank, according to the provisions of the loan agreement, the lender shall pay the repayment amount to the loan bank every month during the repayment period, including the principal part and the corresponding interest.