1. A credit card is not overdue for a few days

Different banks have different time limits for overdue time. Generally speaking, if a credit card is overdue for about 1-3 days, it will not affect the personal credit of the cardholder. At present, all banks have different grace periods for credit card repayment. As long as the cardholder can repay within the grace period, the overdue record will not be reported to the central bank, and it will not lead to overdue credit cards.

however, the grace period of credit card repayment varies from bank to bank, usually about 3 days, but some banks even have a grace period of more than one week. If the cardholder fails to repay the loan within the grace period, the bank will collect interest and liquidated damages on time, which will also be uploaded to the personal credit system of the central bank, which will affect the cardholder's personal credit investigation.

Second, the credit card will be sued in a few days

Generally speaking, if the debtor fails to repay the debt within three months, the bank will bring a civil liability lawsuit to the court. However, the overdue credit card is only a civil breach of contract, so the cardholder does not need to worry about going to jail, and only needs to repay the loan in time after the court's decision. However, whether or not to sue, overdue time, arrears and willingness to repay are the key. If a little can be paid back every month after overdue, the bank will not sue the cardholder even if it is not paid off.

However, although the overdue credit card is a civil lawsuit, if there is a malicious overdraft, the bank has not felt the cardholder's willingness to repay for three consecutive months, and has failed to effectively recover the arrears after more than two collections, then the bank can also sue the cardholder for credit card fraud, and the overdraft amount will be more than 5, yuan, and he will go to jail.

3. What will happen if the credit card is overdue for a few days?

1. If the credit card is overdue for a few days, you should repay it as soon as possible. After the credit card is overdue, it will generate higher default interest, and with the passage of time, interest and default interest will increase. If it is not repaid as soon as possible, the debtor will have to repay more and more money.

2. The collection company will collect the cardholder by telephone, SMS, etc., and ask the cardholder to pay off the debt in one lump sum. If it can't be repaid, it may even be collected at home, and in serious cases, the cardholder will be sued.

3. After being sued, the cardholder will be restricted from high consumption, forbidden to collect housing loans, take public transportation, and affect the school choice of children.

To sum up, the above is all about whether the credit card is overdue in a few days. If the cardholder misses the repayment date, it is best to repay it immediately, and then call customer service to explain the situation to avoid affecting personal credit.

in special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.