①

If it is not overdue within the grace period, if there is no grace period, the overdue interest and overdue fine will be calculated directly;

②

The late payment fee is 5% of the arrears, and the interest is calculated at the daily interest rate of five ten thousandths;

③

Call the credit card center or bank to explain the situation;

④

If it is overdue once, it will be repaid immediately in a short time, which will not have any impact on the credit record;

⑤

There is a certain impact on the application, which will slightly reduce the withdrawal amount;

⑥

Repeated short-term overdue, which has a certain impact on loans;

⑦

Personal credit records entered in the diary are overdue for more than 60 days;

⑧

Records overdue for more than 90 days are regarded as bad credit information.