The advance consumption function of credit card can solve most of our financial difficulties, and it is also easy to cause cardholders to spend lavishly and increase a lot of unnecessary consumption. Once the credit card consumption is too high, repayment will cause great repayment pressure to the cardholder. So, what will happen if the credit card is not used for a month?

What will happen if the credit card is not used for a month?

If it is overdue within one month, it shall be counted as overdue once. It will be more difficult to increase the quota after that. In other words, a credit card will have a bad credit record if it is overdue for one month. In addition, overdue credit cards not only have to pay late fees, but banks will also charge five ten thousandths of the daily interest on the whole bill. Among them, the overdue fine is calculated at 5% of the unpaid part of the minimum repayment amount.

Generally speaking, if the credit card is not returned for one month, it will definitely affect the cardholder's personal credit record. As long as the cardholder fails to return it once, the personal credit information system will record it, and then the cardholder's credit will be affected. So if you want to use a credit card, you must remember to pay back.