once the credit card is overdue, as long as it is repaid in time, it will be fine to pay interest, so don't worry too much.

However, long-term overdue still has a great impact. The impact is as follows:

1. It will affect your credit. If you fail to repay the loan beyond the grace period of bank repayment, the bank will report it to the credit bureau;

2. You need to pay a penalty interest, generally .5% per day. If your outstanding amount is 1, yuan, you need to pay 5 yuan's interest every day;

3. The overdue credit card will affect your handling of other loan business in this bank.