1. Can I still use my credit card if it is overdue for one month?

Credit cards are overdue for one month and can generally be used after repayment. However, it should be noted that banks will generally freeze credit cards if they are overdue for one month. In this case, they need to take the initiative to apply to the bank for thawing.

In addition, if the credit card is overdue for one month, there will definitely be overdue records on your credit report. The record will be kept for 5 years, and will be automatically eliminated after 5 years.

Second, what will happen if the credit card is overdue?

1, and high interest will be charged if it is overdue.

Users usually have an interest-free repayment period ranging from more than 20 days to more than 50 days after using credit cards to overdraw. If the cardholder fails to repay the overdraft in full during this interest-free repayment period, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

2. There will be a credit card late fee.

Credit card late fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not due or the repayment amount is lower than the minimum repayment amount.

3. Bad credit records will be generated.

Credit card users' overdue repayment will be recorded in bad credit records, and the basic database of personal credit information has been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank. For customers with bad records, BOC will be cautious when handling loans in the future, and may require customers to provide mortgages and guarantees, which may reduce the loan amount, raise the loan interest rate or even refuse loans. On the contrary, if there is a good record in the credit report, it is possible to enjoy preferential treatment in the amount and interest rate in the future credit business.

4. Time and duration may lead to litigation costs.

If the cardholder fails to repay after 2 months of overdraft, the bank will call to remind the user to repay. If the repayment is not made, the bank will find a lawyer to send a lawyer's letter to the user. If the user overdraws 180 days and still refuses to repay, the bank will bring a lawsuit to the court, and the losing party will bear the litigation costs of the case. Generally, the bank wins the case and requires the user to repay, so this part of the cost will be borne by the user.

5. Malicious overdraft requires criminal responsibility.

According to the provisions of China's criminal law, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and refuses to return it after being urged by the issuing bank; Malicious overdraft for credit card fraud, a large amount of credit card fraud will be investigated for criminal responsibility.

Overdue credit cards will bring serious consequences to yourself. Generally, a month overdue means a long time, but you can continue to use this card as long as the repayment is successful. However, your overdue credit records will be automatically eliminated after five years. Therefore, only timely repayment can better protect your interests from losses.