1. If the credit card is overdue for 7 days and exceeds the repayment grace period, the bank accountant will charge overdue penalty interest and collect the payment through phone calls and text messages, but it will not be reported to the credit bureau. If the cardholder does not want to suffer more serious overdue consequences, then he must repay the loan in full immediately, contact the bank proactively, explain that he did not overdue maliciously, and request not to report the overdue record to the central bank.

2. After a credit card is overdue, do not cancel it immediately even if you pay off the balance. It is best to continue using the card, maintain good card usage behavior, and accumulate a new good credit record.

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