When the repayment date of Guangfa Credit Card comes, no SMS notification will be sent; if the repayment is overdue:\x0d\① If it is not overdue within the grace period, if there is no grace period, overdue interest and late payment fees will be calculated directly; \x0d\② The late payment fee is 5% of the amount owed, and the interest is calculated based on the daily interest rate of 5/10,000; \x0d\③ Call the credit card center or bank to explain the situation; \x0d\④ If you are overdue once, you will repay it immediately in a short time, and your credit record will not be affected Have any impact;\x0d\⑤ It will have a certain impact on the application for a credit increase, and the amount of the credit increase will be slightly reduced;\x0d\⑥ It will have a certain impact on the loan;\x0d\⑦ If it is overdue for more than 60 days, it will be recorded in the personal credit record;\x0d \⑧ If the credit is overdue for more than 90 days, it will be recorded as a bad credit report.