The impact of a credit card that is overdue for 10 days:

1. Overdue penalty interest will be incurred. Credit cards have a three-day grace period for repayment, so a *** that is overdue for 10 days is actually overdue by 7 days day, a 7-day penalty interest will be generated. The interest will be calculated at a daily interest rate of 0.05 every day. From the accounting date to the repayment, liquidated damages will be charged, and the fee is 5% of the unpaid portion of the minimum repayment amount.

2. If you are continuously called for payment, the cardholder will be called first. If the cardholder is not contacted, for example, if you change your mobile phone number after applying for a credit card, and the bank cannot contact you, it will Reach out to people in your family and your circle of friends.

3. Upload your personal credit report. If you forget to repay the debt that is 10 days overdue, it is most likely that it has been uploaded to your personal credit report. After paying off the debt in time, you can ask the bank if it will upload it. If so, If it is not uploaded, please forgive me and try not to upload it for credit reporting.

If you forget to repay a credit card and it is overdue for 10 days, it is considered overdue. You must repay as soon as possible. Long-term overdue payment will affect your personal credit. The bank will truthfully feedback the cardholder's use of the card in accordance with the requirements of the People's Bank of China. The longer the overdue period, the more serious the consequences.

If the credit card is overdue for three months and has not been repaid, the bank will sue the court. After the court accepts the case, it will send a summons. If the cardholder still cannot pay off the debt, the court will hold a trial. The cardholder's property may be frozen, or even listed on the list of dishonest persons. If the amount of debt owed is large, this constitutes a malicious overdraft, and may result in imprisonment.

Extended information:

New rules on credit card overdue:

Concerning the new rules on credit card overdue, customers need to pay attention to the following points:

1 .Credit card penalty instead of late payment fee:

When the cardholder fails to repay the credit card by the due date or the repayment amount is less than the minimum repayment amount, the unpaid portion of the minimum repayment amount will be charged each time. 5. Liquidated damages are charged. The minimum or maximum fee is stipulated by the bank. For example, China Construction Bank stipulates a minimum of five yuan, one dollar, or one euro.

2. Changes in sentencing standards:

Previously, if an overdue credit card was suspected of malicious overdraft, the amount would be more than 10,000 yuan (less than 100,000 yuan), and it would be deemed as criminal law. The amount is "large"; if the amount is more than 100,000 yuan (less than 1 million yuan), it is deemed to be a "huge amount" stipulated in the criminal law; if the amount is more than 1 million yuan, it is deemed to be an "especially huge amount" stipulated in the criminal law.

The Supreme People's Procuratorate and the Supreme People's Court revised it to: Only malicious overdrafts on credit cards with an amount of more than 50,000 yuan (less than 500,000 yuan) will be considered a "large amount" stipulated in the criminal law; If the amount is more than 500,000 yuan (less than 5 million yuan), it is deemed to be a "huge amount" stipulated in the criminal law; if the amount is more than 5 million yuan, it is deemed to be an "especially huge amount" stipulated in the criminal law.

Negotiation skills for overdue credit cards:

After overdue, you should proactively contact the bank as soon as possible, submit materials proving your insufficient repayment ability, and finally express your willingness to repay. If the user has a good attitude and is indeed overdue due to special reasons and is subsequently unable to repay the loan, the bank will consider agreeing to the user's negotiated repayment request as appropriate.

How to reduce or reduce interest on overdue credit cards:

After your credit card is overdue, if you want to reduce or reduce interest, you can apply to the card-issuing bank for an interest suspension. If the application is successful, interest will no longer accrue on subsequent arrears, which will naturally provide some relief. However, everyone needs to note that the interest accrued on previous arrears will not be forgiven. It is still better to be recorded on the bill together with the principal, and the customer must pay it off on time.

Even if the customer directly applies for interest exemption, the bank will probably not agree. If the customer cannot pay the debt for a while, he or she can try to extend the repayment period and repay the debt in installments while applying for a suspension of interest rates. The bank will consider this at its discretion.

As long as the customer does not intentionally fail to repay, but does not have the ability to repay, the bank may agree, and the customer will then repay the debt in installments on time according to the new repayment plan negotiated with the bank. That’s it.

Of course, it is best for customers to avoid overdue payments and develop a good habit of repaying loans on time.

If you discover early that you are unable to pay off your bill in full, you can actually apply for bill installment before the repayment date arrives, or you can pay off the minimum repayment amount of the bill first.