Detailed description:
1. Repayment amount: After overdue 100 days, pay all the arrears in one lump sum, and pay the corresponding penalty interest and late payment fee, and the bank can restore the normal use right of the bank card.
2. Credit history: Overdue repayment will have a negative impact on personal credit history. Even if the bank card is restored after repayment, the past overdue records may still exist in the credit report, which may affect the future lending and credit evaluation results.
3. Banking policy: Different banks handle overdue repayment in different ways. Some banks may suspend the use of the card until the overdue funds are paid off and meet the bank's recovery conditions. Other banks may depend on the situation, and may need additional review and confirmation before deciding whether to restore the right to use the card.
Summary:
Although the bank card may still be used after overdue repayment 100 days, it is undeniable that overdue repayment has a negative impact on personal credit records. In addition, the specific treatment methods and recycling conditions may vary from bank to bank. Therefore, timely repayment is the best way to maintain personal credit and reduce adverse consequences.
Extended data:
Overdue repayment will have a negative impact on personal credit records, including lowering the credit score and increasing the difficulty of borrowing. In China, personal credit records are managed by credit agencies, such as the Credit Information Center of the People's Bank of China and the Department of Mathematics of JD.COM. Overdue records may be kept in the credit report for a period of time, and the specific period varies with the credit reporting agency and the breach of contract.
Please note that the above answers are for reference only. Please consult the professionals of relevant banks or financial institutions for specific operation and treatment suggestions.