1. Compliance: you can pay back a little overdue credit card money every month.
2. Minimum repayment amount: you can choose to pay the minimum repayment amount for overdue credit card repayment, which is the minimum repayment amount stipulated by the bank.
3. Interest and late payment fee: interest and late payment fee are still required for overdue repayment, and these fees are included in the amount of the next billing cycle.
4. Long-term overdue: If only the minimum repayment amount is paid for a long time, the overdue amount will increase continuously and may affect personal credit history.
5. prepayment: you can still choose prepayment after the deadline, so as to reduce the accumulated amount of interest and late fees.
To sum up, it is feasible to pay back a little overdue amount of credit cards every month, but the following points should be paid attention to: paying the minimum repayment amount, paying interest and late fees, avoiding long-term overdue, and choosing to repay in advance to reduce expenses. It is the key to maintain a good credit record to plan the repayment amount reasonably according to the individual's actual situation and ensure that the arrears are paid off on time.
Extended information:
1. Credit card overdue payment: refers to the amount that the credit card holder fails to fully repay the due amount within the specified repayment period.
2. Minimum repayment amount: the minimum monthly repayment amount stipulated by the credit card bank, which is generally a part of the payable amount.
3. Interest and late payment fee: overdue repayment will generate interest and late payment fee. Interest is calculated according to the amount owed and the daily interest rate, while the late payment fee is calculated according to the number of days and amount of default.
4. Personal credit history: Overdue credit cards will have a negative impact on personal credit history, which may lead to a decline in credit scores and affect future credit applications and loan interest rates.
the above is the answer about whether it is feasible to pay back a little overdue credit card every month. On the basis of ensuring the minimum repayment amount, take appropriate measures to repay, so as to maintain a good personal credit record. Timely repayment can avoid the extra expenses caused by overdue and help to maintain a good credit score.