If a credit card is overdue for half a month, a credit report will be issued. Under normal circumstances, banks will provide time tolerance services. The delivery time is about 3 days, and the service tolerance is about 10 yuan. Therefore, if the credit card is overdue for half a month, it has exceeded the service limit. So the credit check was done at the meeting.

Overdue for more than 3 days: If the credit is overdue for more than 3 days, the bank will report it to the central bank’s credit reporting system. However, the impact on you will be very different depending on the length of the overdue time.

A single overdue payment of more than 3 days or less than 90 days will be included in the central bank's credit report; in addition, the bank will charge late fees according to standards and penalty interest at a daily interest rate of 0.5%. In this case, the impact on future applications for loans or credit cards will not be that great. It will be recorded and the impact will be low.

Overdue for more than 90 days (or 6 times in total): More than 90 days (3 times in a row) or 6 times in total will seriously affect your credit record. You will be added to the blacklist of financial institutions and you will not be able to apply for loans and credit cards. Wait, even transportation will be affected.

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances If the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using a forged credit card, or using a false credit card (2) Using an expired credit card; (3) Pretending to use another person’s credit card;

(4) ) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.