The monthly credit card bill settlement date and due payment date are fixed. Late payment will incur late fees and interest, and will affect your personal credit. Your relevant credit information will be recorded in the personal credit database and become part of your credit record. If you are unable to repay the loan in time due to special reasons, please call the credit card customer service hotline 4008205555 as soon as possible to explain the situation to the customer service specialist and see if there is room for processing.