This means that your available lines have been used up. If the bank doesn't withdraw cash from you, you can't use this card until it is repaid, which means it is maxed out. If it is maxed out, it must be repaid within the specified time. If it is overdue, it will have the following consequences.

Consequences of overdue

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

Extended data:

Available line = credit line approved by the bank-unpaid bill debt-unrecorded but occurred transaction amount-other related interest and expenses.

Note: The unrecorded amount refers to the amount that the credit card transaction has been accounted for, but you have not returned it; Cumulative used unrecorded amount refers to the amount of credit card transactions that have occurred but have not been accounted for; Other related interests and expenses refer to interest such as cash withdrawal or installment payment.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

China's relevant laws ("NPC Standing Committee on

References:

Baidu Encyclopedia _ Credit Card