The suspension of a credit card may affect the credit cards of other banks. As long as the bank that stops the card submits a bad credit record, other credit card issuers will adjust the credit card usage rights accordingly according to the bad credit record.

① If it is not overdue within the grace period, if there is no grace period, the overdue interest and overdue fine will be calculated directly;

② The late payment fee is 5% of the arrears, and the interest is calculated at the daily interest rate of .5 ‰;

③ Call the credit card center or bank to explain the situation;

④ if it is overdue once, it will be repaid immediately in a short time, which will not have any impact on the credit record;

⑤ It has a certain impact on other bank lending businesses in use

⑤ It has a certain impact on the use of credit cards;

⑦ enter personal credit records in diaries that are overdue for more than 6 days;

⑧ records overdue for more than 9 days are considered as bad credit information.

repayment method

1. Within the issuing bank

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking and other repayment methods. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-banking POS mobile phone

Micro-banking POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

3. Transfer/remittance repayment

There are two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

4. Online repayment

The common online platforms in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.

5. Repayment in convenience stores

This method mainly completes repayment through the "Lacarra" smart payment terminal installed in convenience stores. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

6. Counter-connected repayment

Counter-connected refers to the bank card issued by various networked financial institutions, and the current RMB deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

7. Repayment by Xinfutong

The "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

8. Repayment Pass

Repayment is made through the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's bank.

9. Other methods

In addition to the above-mentioned methods, the issuing bank has also opened its own repayment methods to facilitate the cardholder's repayment.

(Source: Baidu Encyclopedia-Credit Card)