Loan interest generally refers to the full penalty interest, which means that even if the customer repays part of the account, part of the repayment is deducted when calculating the overdue interest, and the interest expense is generally calculated at five ten thousandths of the daily interest. Tax late fee refers to the cardholder's deduction of "tax late fee" when the specific repayment amount on the due repayment date of the bank credit card is less than the minimum repayment. The proportion of tax late fees shall be uniformly required by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment. If loans overdue exceeds 3 times, you can apply for a credit card but the credit limit is not large, and you can also borrow money but the interest is very high.

loans overdue will be blacklisted by "Personal Credit Information" of the People's Bank of China if he exceeds 6 times and fails to pay it back once. Being blacklisted will seriously affect his work, study and study abroad. Don't think that it only affects yourself, but also the other half and children. At that time, it is too late to regret, and the personal credit report does not believe in tears. If you maliciously fail to pay back the money beyond the prescribed amount or time limit, and the issuing bank still fails to pay it for more than 3 months after two reminders, it is characterized as an "overdraft credit card".

those who overdraw a credit card by more than 1 million yuan are especially huge, especially huge, or have other particularly serious circumstances, shall be sentenced to more than 1 years' imprisonment or life, fined between 5, yuan and 5, yuan, or their illegal income shall be confiscated. If you are unable to repay on time due to laid-off or illness, before the final repayment deadline comes, explain your own economic situation and declare that you are not in bad faith, and you can do deferred repayment and interest concessions. If you forget to repay the loan because of the usual carelessness, you must repay the loan in full as soon as possible after you find out about loans overdue, preferably in full. < P > Because calling the financial institution after the full repayment shows that it is not malicious to owe money and ask for clearing the overdue record of credit information, it is more likely to win. After the deadline, the best way is to use the credit card normally and cover the original negative record with the new normal repayment record. Generally, a new personal credit record will be generated after 24 months, so that personal loans will not be affected after the record is updated. Long-term loans overdue, the bank credit card will compound interest and there are huge tax late fees. If the boss runs away, the bank will think that you overdraw your credit card and will call the police.