Generally speaking, loans overdue's credit card will be submitted automatically if it is overdue for 2 months or more, so don't be too nervous if you forget to repay it once or twice. Generally speaking, if it is overdue within a few days, you can still be' accommodating' as long as you return it immediately and call the bank customer service.

If there is really not enough funds to repay in full on the due repayment date, then the cardholder can choose the minimum repayment amount of the credit card. In this way, the cardholder only needs to repay about 65,438+00% of the arrears on the bill each period (the minimum repayment amount includes a certain proportion of the accumulated outstanding principal of consumer transactions, the overdraft withdrawal amount, all expenses, interest, the amount of arrears exceeding the credit limit of the account, other arrears that the card issuer stipulates that the cardholder should repay and the sum of the unpaid part of the minimum repayment amount last month). When using the minimum repayment amount to repay the loan, the cardholder should bear the corresponding interest, but it can avoid paying high fees such as late payment fees, and at the same time avoid personal credit records being affected.

If the cardholder fails to repay in full after the due repayment date and does not choose the minimum repayment amount, he may face the following measures taken by the bank:

1. Consumers no longer enjoy interest-free repayment of their money. The issuing bank shall calculate the daily interest with the consumption amount as the principal from the date of consumption, 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 the dunning phone and letter from the issuing bank.

3. The credit card account is frozen by the issuing bank, and the debt record 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 lead to the cardholder's failure to apply for a housing mortgage loan normally.

According to the regulations, if the credit card holder fails to repay the minimum repayment amount for three consecutive months, the credit card issuing bank has the right to bring a lawsuit to the court. But in reality, because it costs money to go through legal proceedings, banks usually contact cardholders first to see if they can return their credit cards. If the cardholder maliciously owes money, or cannot be contacted by changing the contact information, and the amount owed to the credit card is large, the issuing bank will generally sue the credit card for overdue.