There are often many card friends who have set up credit cards, and the bad debts caused by using the cards are loaded into the central bank's credit information, which affects personal credit. Many people are also worried that the bad debts of credit cards will increase interest every day, so that the money owed will roll up. Then, will the interest on credit card bad debts rise? It needs to be analyzed from many aspects. will the interest on bad debts of credit cards rise? There are two kinds of bad debts of credit cards. One is that if you owe money for a long time and it is overdue for a long time, the bank will treat the credit card as bad debts when it sees that the debt is recovered in the foreseeable future, that is, overdue bad debts; One is that the credit card has no arrears but has overpayment. If the card is not used for more than 18 days, it may also form bad debts, that is, overpayment bad debts. 1. For example, if a credit card is overdue, it will charge interest at a daily interest rate of five ten thousandths. As for whether the interest will rise after bad debts, it depends on the regulations of the issuing bank. For example, many card friends reported that ICBC stopped collecting interest after overdue bad debts, but the interest before bad debts still existed. However, Guangfa Bank has overdue bad debts, and the interest will still be collected every day if it fails to pay off the arrears for one day. 2, overpayment of bad debts, there is no arrears, it is not accounting for interest, there is no saying that there is no interest increase without interest, this can be assured.

regardless of whether the credit card bad debt interest rises or not, it is best to get rid of bad debts as soon as possible. Credit card bad debts are far more serious than overdue. If you don't deal with them, you won't be able to apply for credit cards and loans in this life. As for how to deal with the overpayment, it is easier to solve the bad debts. Call the bank directly to transfer the overpayment, and then let the bank modify the credit information. Overdue bad debts need to be paid off, including principal+interest and liquidated damages. It should be noted that the overdue bad debts have been overdue for a long time, and the interest is rising every day, which may be higher than the principal. In this case, it is best to negotiate with the bank for repayment to see if some interest can be appropriately reduced. If a negotiation is unsuccessful, call several times more. The key is to tell yourself that you have the ability to repay and show your willingness to repay. The above is the relevant introduction of "whether the interest on bad loans of credit cards will rise or not", and I hope it will help everyone.