Impact of late payment by credit card:
1. Interest and late payment fee: Interest generally refers to the full penalty interest, that is to say, even if the customer repays a part, the repayment part will not be deducted when calculating the penalty interest, and the interest expense is usually calculated at five ten thousandths of the daily interest.
The late payment fee refers to the "late payment fee" charged by the cardholder for the unpaid part of the minimum repayment amount when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount. The proportion of overdue fine shall be uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount.
2. If the repayment is overdue for more than 3 times, you can apply for a small credit card or borrow a high-interest loan.
3. Bad credit record: loans overdue who has failed to pay back for more than 6 times will be blacklisted by the personal credit information system of the People's Bank of China, which may affect his work, school and going abroad. Don't think that it affects only yourself, your spouse and children. At that time, it was too late to regret, and the credit report did not believe in tears.
4. Bear criminal responsibility: maliciously overdue payment, exceeding the prescribed limit or time limit, and not returning it for more than 3 months after two reminders by the issuing bank, which is characterized as "malicious overdraft".
Those who maliciously overdraw more than 654.38+00000 yuan but less than 654.38+000000 yuan, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention. 6.5438+10,000 yuan to 6.5438+10,000 yuan, if the amount is huge, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years.
If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, if the amount is huge, especially huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;
Those who maliciously overdraw more than 6,543,800 yuan, the amount is especially huge, or there are other especially serious circumstances, shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or their property shall be confiscated.