The overdue interest on credit cards will keep rolling. The expenses incurred after overdue are interest and liquidated damages respectively. If the arrears are not paid off in time, after the interest-free period, the bank will generate late fees on a monthly basis, interest will be calculated on a daily basis, and annual fees will be generated on an annual basis, and then day after day, year after year. The expenses arising from the above deduction and interest deduction shall be uniformly counted as your principal and continue to be deducted. So credit cards are always right in time.

If the credit card is really useless, you can take the following measures to delay the pressure.

1. Use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But you should know that the minimum repayment amount is also subject to interest, with interest of five ten thousandths per day. So I can only relieve the pressure temporarily.

2. Use the segmentation function. If there is pressure on repayment, directly apply for bill installment. General banks provide the functions of three, six, nine, 12, 18 and 24. You can choose the number of installments you want according to your repayment ability, which will not only ease the repayment pressure, but also affect your credit.

3. Extend the repayment period by changing the bill date. Of course, the billing time cannot be changed at will. Generally speaking, it takes half a year to change it. Some banks change it once a year, while others can only change it once.

4. Take the initiative to negotiate with the bank. If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious, and then discuss whether you can postpone the repayment.

Although credit card has the function of overdraft, it actually constitutes the loan relationship between customers and banks. If you don't pay it back at maturity, it may not only cause legal disputes and bear high penalty interest, but also form a bad credit record, which will adversely affect your future work and life. Therefore, credit cards must not be overdue.

Consequences of overdue credit card:

1. The consequences of overdue repayment of credit cards are very serious, and overdraft consumption should be moderate. First of all, overdue needs to bear a high penalty interest. After a credit card defaults, the penalty fees usually involved are revolving interest fees and late fees.

Revolving credit is essentially a small unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

2. Cause legal disputes. Credit card violent collection has become a hot topic. Many credit card centers of banks outsource the collection of credit card repayment to some "debt collection companies". These companies are mixed, and the methods of debt collection are rough, which brings troubles to the life and work of borrowers.

3. Overdue will leave a "credit stain" in the national credit information system. As long as you have applied for a card or borrowed money from a bank, your own "credit report" will be automatically generated in the credit information system. Once recorded, it will affect all kinds of applications for loans, insurance, job hunting and studying abroad. Bad records are generally kept abroad for 7 years.