The most direct impact of overdue repayment is the bad credit record. Once this record is formed, it will affect your personal credit and other banking businesses, such as lending, car loans, micro-loans and so on. And the overdue repayment that cannot be erased within three years.

If the credit card of Shanghai Pudong Development Bank is overdue, there will be interest and late fees. If the repayment amount shown in the bill is less than 10%, the whole bill will be charged with 10% penalty * full penalty interest *0.005 interest.