The overdue credit card is a breach of contract, so it will tarnish personal trust, which is not conducive to the later bank lending business and produce overdue records in the credit report.

Consequences of overdue:

1, bear high penalty interest;

2. Causing legal disputes;

3. Leave a "credit stain" in the national credit information system.

The suggestions are as follows:

1, it must be made up immediately, and a part of the penalty interest must be paid. It is recommended to hand in more, so that the bad records can be cleared temporarily. If the payment is overdue for more than one month, the next repayment shall pay off the monthly payment for two months and the penalty interest for the previous month in one lump sum;

2. If there is no delay in the future, after one year, the computer will eliminate this bad record;

3. The repayment is postponed, but the repayment period will not be postponed, and only a bad record will be left forever;

4. Remember to pay off the previous monthly payment and penalty interest before the repayment period next month.