It is not considered overdue. If you pay the minimum payment on a credit card before the final payment date, it is not considered overdue.

1. It will not affect your credit score. The minimum repayment amount is calculated based on your repayment bill, which is 10% of the total repayment amount. For example, if you The current bill is 100,000 yuan, so your minimum repayment is 10,000 yuan, which is also called revolving credit.

2. The advantage of the minimum repayment amount is that it allows cardholders to conveniently avoid overdue payments and relieve temporary financial pressure, but the disadvantage is that interest will accrue every day. This rate is 10,000 per cent. 5. If you repay according to the minimum repayment amount, then there is no interest-free period. It will be calculated from the time the consumption is received, and interest of 0.05% will be charged every day, and it will still be calculated. Compound interest is calculated monthly.

3. Revolving interest, revolving interest is charged when you use revolving credit to repay, or when you use cash advance, if the repayment is due in the current bill cycle If all consumption payments are paid off before the date of payment, then the credit card consumption will enjoy the interest-free period and no recurring interest will be generated. However, if all of your current bills are not paid off on time, it will be regarded as using revolving credit, and interest will be accrued on all purchases in the current period, which is the day after the purchase. The interest is 0.05% until all is paid off. If you use the function of cash withdrawal, there is no way to enjoy the interest-free period for cash advance. Your interest will be calculated from the day you withdraw the cash. The interest is also 5/10,000, and compound interest is calculated on a monthly basis until it is paid off!

Consequences of overdue credit:

1. If the credit card is overdue for a long time, the overdue record will be reported to the credit reporting system

2. It will be collected. If the debt is overdue for a long time, various collection methods will be used, which will extremely affect life;

3. In some serious cases, the borrower will be prosecuted.

4. If the borrower refuses to repay after the due date, the bank is likely to collect the debt through legal means. At that time, the debtor will not only have his property seized, but will also become an "old man".