First of all, it needs to be clear that no matter how long you are overdue, there will be more or less impact, but the shorter the time, the fewer overdue times and the smaller the impact. Generally speaking, the following consequences will occur.

1. Late payment fee and interest: Once overdue, the Industrial Bank Credit Card Center will charge a certain percentage of late payment fee and interest. Generally, the overdue fine is calculated at 5% of the unpaid part of the minimum repayment amount, and interest is charged every day, which is calculated at five ten thousandths of the whole bill.

2. Credit impairment: If the repayment is overdue once, even if it is only overdue once, it will be more difficult to recover the amount. If it is overdue for a certain period of time, the credit card will be frozen. If it is overdue for three or more consecutive times or accumulated for six or more times, it will upload bad credit records, which will affect future loan and credit card applications.

3. Investigate legal responsibility: Under normal circumstances, if the bank has made more than two effective collections, the cardholder still has no willingness to repay, and can appeal to the court and may be forced to pay off the arrears. Those who owe more than 50,000 principal may be investigated for criminal responsibility.