Everyone knows about credit cards. Most people should have one or two injured. So credit cards can indeed bring a lot of convenience, but what will be the consequences if you fail to pay back the money after the due date? Overdue repayment means that there is an amount due on your current bill, but you have not repaid it in the future. There are two types of repayments, full repayment and minimum repayment. If you repay the full amount, there will be no interest and there will be no problem with your credit record. You have to pay the minimum amount and your credit record is fine, but you need to pay interest. The interest calculation method is related to your consumption date and repayment date.

So, what should you do if your credit card is overdue? First of all, if you forget the repayment time and the overdue time is relatively short, you should call the bank quickly to explain the situation and let the bank give you the opportunity to postpone the repayment! Secondly, if you are overdue for a long time because you have no money to repay, or even cannot repay the debt after repeated debt collections, you must tell the bank about your special situation and find a way to pay the minimum repayment first. As long as the overdue period does not exceed 90 days, you will have a chance. Cleaned up!

Again, pay off the debt after it is overdue. Don’t rush to cancel the credit card immediately. You must continue to use it and slowly re-establish your credit. To put it bluntly, it is to build the bank’s trust in you, and then you don’t want to use it. If so, then cancel it, otherwise it will be very difficult to get a loan from the bank in the future! I gave this standard answer. If it is not long overdue and the card has not been suspended or reduced, I will find an agent to pay it back. If you have income at this time, you can make installments if you pay it off once. Generally, banks can do up to 36 tranches. This is the most ideal solution.

1. If the amount of credit card debt is about 10,000 yuan and it is still not returned for more than three months after being called upon twice by the card-issuing bank, it shall be deemed as "a debt owed" as stipulated in Article 196 of the Criminal Law. "Malicious overdraft" constitutes the crime of credit card fraud and shall bear criminal liability;

2. If it does not fall into the above circumstances, it shall bear civil liability, including repayment of the principal of the arrears, overdue interest, etc., and will also Have a bad credit record.

The central bank’s credit record will be kept for 5 years: if you fail to repay on time, an overdue record will definitely be generated. If the debt has not been repaid, one month will be an overdue record. The bank will submit the record to the central bank's credit reporting data. The central bank's data is generally updated once a month, but it depends on the reporting cycle of the bank. Generally, you can see this overdue record after one month. Five years after the debt is repaid, the record will be erased. Then the consequences of an overdue credit card are as follows:

1. You can no longer apply for a credit card from any bank (those who enter the blacklist will be directly rejected);

2. The bank cannot Will lend you money to buy a house or a car;

3. If you are a legal person, the bank will refuse to lend to your company (personal information is confidential and no one else will know it, so you can rest assured)

4. Impact on work: Some small companies may not care about it, but if you want to go to a large company, it will be difficult.

5. Imprisonment: Generally, you will not be imprisoned for a simple credit card blacklist. You just need to accept the punishment imposed by the bank; but if it is characterized as a malicious overdraft, the bank will punish you many times. If the debt is not repaid after collection and the amount is relatively large, the bank will report the case to the public security organ. If it reaches this level, you may be sentenced.

An overdue credit card is not considered a malicious overdraft. In addition to the legal liability for accidents, it will have a great impact on your personal credit report. In serious cases, it may be included in the national blacklist of untrustworthy persons, restricted from going abroad, and you cannot take planes or trains. Sleepers, loans, jobs will all be severely affected.

The number of overdue credit cards in our country is very large. The credit reporting system is gradually improving, and personal credit protection awareness is not strong. I have engaged in credit card collection work entrusted by banks. Generally, if the overdue amount is not large, try to repay it as much as possible. A tainted credit report will fade away after 5 years. Banks generally rarely prosecute overdue users with a normal amount through legal channels, but outsourced collection agencies will use various legal means to collect, such as going to the neighborhood committee or company where you are registered. Parents, relatives, friends, and even door-to-door debt collectors have a great impact on a person's reputation, so try not to overdue your credit card. If you really have difficulties, you can negotiate with a bank or an outsourced collection agency. Banks generally have policies for repayment in installments and partial interest exemptions.

So, dear netizens, you must use your credit card appropriately and never overdue it. If you have a credit report, it will be really troublesome.