The so-called "overdue fee", its proper term is called "late payment fee". The proportion of overdue fine is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount, and the minimum is 1 yuan. It should be noted that the base of the late payment fee is the unpaid part of the minimum repayment amount.

Calculation formula of overdue fine: overdue fine = (minimum repayment amount-paid amount on due repayment date) ×5%

For example, if the user spends 10000 yuan on the credit card of Shanghai Pudong Development Bank, the minimum repayment amount is 1000 yuan, and the overdue repayment amount is 1000*5%=50 yuan.

There are the following 13 behaviors that specifically affect the credit record:

1. During the use of the credit card, the repayment is overdue for three consecutive times or six times in total;

2. Within the monthly mortgage repayment period, overdue or unpaid for 2 to 3 months;

3. The monthly payment of car loan is overdue for 2 to 3 months or not;

4. The loan is in arrears or overdue;

5, water, electricity, gas and other daily payment is not paid on time;

6. Being judged by the bank that your credit card has been cashed out;

7. Failing to repay the student loan;

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record;

9. Credit card overdrafts and mortgage loans are not repaid on time;

10. When providing a guarantee for a third party, the third party fails to repay the loan on time;

1 1. Personal credit report will also record the economic judgments of some courts;

12. Mobile phone charges are linked to bank card charges. Failing to go through the relevant procedures after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, and it will also cause bad records;

13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.