What if the credit card is not fined? After the deadline, 5% overdue fine will be added to the minimum unpaid part, and penalty interest will be added to the statement in full (five ten thousandths per day, and the interest will be recovered monthly until the principal and interest are paid off), and a bad credit record will be generated in the Credit Information Center of the People's Bank of China. When the amount owed is small and the overdue time is short, the issuing bank will calculate the interest on a daily basis with the consumption amount as the principal, with the daily interest rate of 0.5 ‰ and compound interest on a monthly basis; For the unpaid part of the minimum repayment amount, a late fee of 5% will be charged every month. 2. Receive a reminder. When the overdue time reaches a certain period, the bank will send relevant reminders. Because of ignorance, some people not only don't pay back, but also "run away" by changing their addresses and mobile phone contact information, so that banks can't contact themselves, thinking that they can't help. In fact, this practice is very wrong and absolutely unacceptable. When handling a credit card, your real name information has been recorded by the bank. Once you "run away", the bank will think that you are maliciously overdrawn and will call the police. Third, it affects personal credit records. If the overdue time is too long and the bank's reminder notice is ignored, the credit card account will be frozen by the issuing bank. The record of arrears may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and make it impossible for the cardholder to apply for a housing mortgage loan normally. Four, serious because of "malicious overdraft" and constitute a crime. When the amount owed is large and overdue for a long time, it may even violate the criminal law. According to Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management (Fa Shi [2009]19), if a cardholder exceeds the prescribed limit or overdraws within the prescribed time limit for the purpose of illegal possession and fails to return it after being repeatedly urged by the issuing bank for more than 3 months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. If the amount is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law, and it 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; If the amount is more than 6,543,800 yuan but less than 6,543,800 yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law, and it shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law, and it shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated of property. The billing date refers to the date when the bank "calculates the general ledger" for your monthly credit card transaction. On the due repayment date, the consumer must repay the loan before this date. If this period is exceeded, interest and other related expenses will be paid for the money owed to the bank during this period, including late fees and overdraft interest.