The consequences of overdue credit cards are: the bank credit card banking center will charge a late fee and interest: the late fee will be calculated at 5% of the unpaid part of the minimum repayment amount, and the minimum charge will be 10 yuan RMB or 1 USD, and the bank will also charge five ten thousandths of the whole day's interest; Impact on credit: if it is overdue within one month, it will be regarded as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota; If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to get loans and credit cards in the future; If the overdue period exceeds a certain amount and time, the bank will freeze the credit card.
1. There are signs that the speed of second-hand housing lending in first-tier cities has accelerated recently. China securities journal reporters visited or called branches of many state-owned banks, joint-stock banks and city commercial banks in the north, Guangzhou and Shenzhen, and found that the loan cycle of banks in first-tier cities was slightly shortened. Some branches indicated that the current quota was sufficient and they could lend money at any time. From the overall survey, banks around the world are still cautious in lending, and the general direction of not speculating in real estate has not changed. Not completely relaxed, "second-hand housing (loan) is now limited. As long as the materials are complete, after approval, the loan can be released in a few days. " A loan manager of a state-owned bank Shenzhen Branch told china securities journal.
2. The credit department of a stock bank in Beijing said: "In June, there was a loan with the amount of 5438+0 1. As long as it meets the requirements, there is no limit on a single loan, which can basically meet the demand. You can lend money within one month at the earliest, but it is hard to say until June 5438+02. " Not all the banks surveyed by china securities journal are so "honest". Although the lending speed of most banks has increased slightly, there are still tight mortgage quotas and customers queuing. A related person from a Shanghai branch of a joint-stock bank said that it takes about 3-4 months to lend money for the first suite of second-hand houses, which is indeed faster than that in July and August, and the amount is "slightly better, but not much". "We issued loans almost in August and September, and even earlier in June and July. At present, mortgage lending has not been fully opened, and the mortgage quota is still under control. "