1. What happens when the credit card is overdue for one month?

1. First of all, if the credit card is overdue for one month, it will lead to interest on the credit card. Interest is charged at the rate of 0.5 ‰ per day, calculated from the date when consumption is recorded, and interest-free period is no longer enjoyed. In addition, there will be liquidated damages, generally 5% of the minimum repayment amount.

2. Personal credit is damaged due to overdue, leaving a stain on the credit report. Generally, if a credit card fails to repay more than three times, you can apply for a credit card, but the amount is very small. Choose a loan, either not approved or passed, but the interest rate is very high. And within one month after the deadline, you will receive a phone call or text message from the bank.

Second, does it matter if the credit card is overdue for one month?

1, the impact of a credit card overdue for one month is great. After all, no one accidentally overdue for one month. If the arrears cannot be settled as soon as possible, it is difficult to negotiate with the bank. If the overdue time reaches one month, there will be suspicion of malicious overdue repayment. After all, during this period, the bank must have carried out effective SMS and telephone collection.

2. If the user continues to refuse to answer the phone and there is no corresponding repayment behavior, the bank will think that the user is maliciously overdue. Banks are likely to entrust the collection to outsourcing companies, and the third party will contact not only the cardholder himself, but also his family, relatives and even friends.

Third, the credit card is overdue for one month.

1. First of all, users need to return the arrears as soon as possible, so that the credit information can return to normal. Although the information has been transmitted to the central bank's credit information system with high probability, it will take five years for the money to be settled. After the arrears are returned, at least the user's credit information will be normal and the overdue degree will not be aggravated.

2. If the user does not have enough funds to repay the credit card debt, he should actively contact the credit card center to explain his economic situation and negotiate with the credit card center for the subsequent repayment plan. This time is one of the best negotiation opportunities. When the deadline is 2-4 months, the probability of negotiation will be greatly reduced.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.