The credit card of 202 1 is overdue for three months. If the credit card cannot be repaid in time due to sudden major changes, you can discuss the repayment with the bank staff and re-formulate a reasonable repayment method. If you deliberately default on credit card repayment, you will be reported to the bank's credit information system and included in the bank's untrustworthy list. Of course, every bank has its own policy, so the repayment of prospective customers with credit cards is different in different periods. I suggest you use your credit card rationally.

Possible consequences of overdue repayment of credit cards

1. Credit card late payment fee: The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not due or the repayment amount is lower than the minimum repayment amount.

2. Overdue interest: After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Bad credit records: The overdue repayment records of credit cards will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.

4. Litigation costs: If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation costs will be borne by the cardholder.

5. Criminal liability for malicious overdraft: According to Article 196 of China's Criminal Law and related judicial interpretations, malicious overdraft refers to the act of credit card fraud in which the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. If the amount is relatively large, criminal responsibility shall be investigated for the crime of credit card fraud, and he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.