One overdue credit card payment will not have any impact.
Usually being overdue three times will result in a bad credit record. If there is no bad credit record, the loan will have no impact. If there is a bad credit record, the loan will not be available.
The consequences of an overdue credit card are:
1. The bank credit card bank center will charge late payment fees and interest:
1. The late payment fee is based on the unpaid portion of the minimum repayment amount. Calculated at RMB 5, the minimum charge is RMB 10 or 1 US dollar
2. At the same time, the bank will also charge an interest of 50,000 per day on the entire bill.
2. Impact on credit:
1. Overdue within one month is considered overdue. As long as it is overdue, even once, it will be more difficult to increase the credit limit;
2. If you are overdue three times in a row or six times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;
3. If you are overdue for a certain amount and time, the bank will freeze the credit card.
Extended information
Overdue credit card repayments will face the following consequences:
1. Overdue credit card late payment fees. The so-called late payment fees for credit cards refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount.
2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder repays overdue, all the expenses of the cardholder last month will no longer enjoy the bank's interest-free payment. treatment, and the recurring daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18.
3. Bad credit record. Overdue credit card repayment records will enter the central bank's credit reporting system to generate a bad credit record. 4. Litigation costs. If the credit card is not repaid for more than three months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder.
5. Criminal liability for malicious overdraft.
Baidu Encyclopedia - Overdue Repayment
People's Daily Online - The Two Supreme People's Government Issued Judicial Interpretations? Appropriately adjust the amount standard for malicious credit card overdraft crimes