Pufa Credit Card is overdue, and users need to repay it in time, otherwise it will have a negative impact on personal credit. The consequences of overdue credit cards are as follows:

1. If the credit card fails to repay on time, there will be a penalty, which is generally the minimum repayment amount, 5% of the unpaid part.

2. If the credit card fails to repay on time, it will generate high interest, and it is rolling interest. In the case of more debts, interest will be high.

2. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

Note: Generally speaking, banks will charge a certain amount of interest for overdue repayment, which is different for each bank, and it is generally five ten thousandths of interest.

However, the value date should be calculated from the date of consumption, not from the day after the last repayment date. If you haven't paid all the credits, you can pay the minimum repayment amount first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account.

Extended data

Article 207 of the Contract Law stipulates that "if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations".

Penalty interest will be charged if it is overdue. From the overdue date, default interest will be charged at the agreed interest rate 150% every day until the payment is overdue. Your overdue record will be collected by the People's Bank of China, which will affect your credit record. Please cherish your credit and repay on time.

For loans that are overdue or not used according to the purpose agreed in this contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in this contract until the loan principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.

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