You can swipe your credit card on the day when it is overdue. After repayment, you should make a transaction inquiry and print a receipt to confirm whether it has arrived. If it is not credited to the account, it will be regarded as non-repayment.

According to the regulations of different banks, the shortest repayment date is from the billing date to the final repayment date, and the longest is from the day after the billing date to the final repayment date of next month. If the billing date is 1 day and the final repayment date is 20 days, the shortest is 20 days and the longest is 50 days.

During this period, as long as the current payable amount on the current statement is fully paid off, any non-cash transactions prepaid by the bank to the store do not need to pay interest.

If you don't repay the loan at maturity, it may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect your future work and life.

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Consequences of overdue repayment of credit cards

1. In addition to paying interest, overdraft credit cards have to pay a high late fee if they can't repay in time, which affects personal credit records. Malicious overdraft will also be suspected of constituting credit card fraud.

2. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being collected twice by the issuing bank, it can be considered as malicious overdraft, which constitutes the crime of credit card fraud.

3. If the overdue amount is 6,543.8+0,000-6,543.8+0,000, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan; 65438+ 10,000-1 10,000, sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and fined not less than 50,000 yuan but not more than 500,000 yuan; 1 10,000 yuan or more shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan or confiscation of property.

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