1, overdue penalty interest and contract liquidated damages: if the customer fails to pay off the debt before the repayment date or the end of the buffer period, it is overdue and will no longer enjoy the interest-free period of the credit card, and it is necessary to pay a certain penalty interest and contract liquidated damages to the bank. The penalty interest is calculated from the second day of the credit card bill transaction, and the penalty interest of five ten thousandths of the total principal is deducted every day. If the next debt is not paid off, the interest will be rolled once every period, and the contract penalty will be deducted from the minimum repayment amount.

2. Affect personal credit information: after the credit card is overdue, it will be uploaded to the central bank's personal credit information system, and the overdue records on personal credit information will affect the bank's loan processing and credit card processing;

3. Bank dunning: Within 7- 15 days after the credit card is overdue, the bank will send dunning SMS and dunning phone to remind customers to repay;

4. The bank brings a lawsuit: if the overdue time reaches 90 days, the overdue amount is large, and the repayment has not been made through the bank's two reminders, the bank brings a lawsuit and the court will make a judgment.

The above is about the consequences of overdue credit cards.

How can I cancel my credit card if I lose it?

If the credit card is accidentally lost, the customer is worried about the risk of being stolen by others. Therefore, if they want to cancel their credit cards, they can directly call the customer service hotline of the issuing bank to switch to manual service, and then explicitly apply to the online customer service staff for cancellation of their credit cards. Naturally, the customer must first ensure that there are no outstanding credit card bills or excessive credit card payments on the card, otherwise it will not succeed. In this regard, customers need to pay off the credit card bill arrears through personal online banking or mobile banking and credit card APP, transfer the credit card overpayment to other savings cards, and then apply for account cancellation. If the credit card bill has the largest debt ratio and cannot be repaid in a short time, the customer can contact the issuing bank to report the loss first, so that the credit card will be frozen, and even if someone finds it, the other party can't steal it.

If my credit card expires, can I get a new one?

Whether a credit card can be reissued after it is overdue mainly depends on the overdue situation. If the overdue situation is not serious, although it will be recorded in the personal credit report, it will affect personal credit and hinder customers from applying for credit cards, but it does not mean that they cannot apply for credit cards. As long as you pay off your debts as soon as possible and take good care of your personal credit for a while, the impact will not be great. This article mainly writes about the knowledge points that there are no consequences for overdue credit cards, and the content is for reference only.