In case of overdue payment, there are not only 5% overdue fine (minimum 10 yuan), but also full penalty interest (five ten thousandths of the daily interest, starting from the day of consumption, and recovering the interest on a monthly basis until the principal and interest are paid off), and a bad credit record is generated in the Credit Information Center of the People's Bank of China, which affects the application for credit cards and bank loans within two years. If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist). Once the freeze expires, it can't be unfrozen basically, and you can only cancel it. Because you are listed as a prohibited customer by the bank, the bad records of the Credit Information Center of the People's Bank of China will be deleted five years later. In the meantime, it is difficult for you to apply for credit cards and bank loans. At the same time, they will call for money. If they can't get it back, the bank will summon you for fraud after a certain amount.
The credit card overdue for half a year has formed a bad personal credit record, and it can no longer be used even after repayment.
The relevant information is as follows:
1, personal credit records produce bad records, mainly because most consumers don't know enough about personal credit. Under normal circumstances, if a credit card holder is overdue for three consecutive times or six times, or more than 90 days, it will form a bad credit record and upload it to the People's Bank of China;
2. Due to overdue bad records, the credit card will be frozen by the issuing bank, which will affect other credit businesses in the next five years. Because banks are risky, they are unwilling to deal with people with bad credit records;
3. After overdue repayment, personal bad credit records shall be kept for five years, and the bad records shall be cleared after five years.
The security measures for using credit cards are as follows:
1. The credit card is only used by the cardholder. Never lend it to others.
2. Please take good care of your personal information, and don't tell others the card number, expiration date and other information.
3. When spending with a credit card, don't leave your sight with your credit card.
4. When entering the password, please pay attention to the occlusion. Don't set your password too simply, and don't use your birthday, phone number or ID number as your password. Never write the password on the credit card or put it with the credit card.
When you get a new card, you should sign on the back of the card immediately.