Some credit cards will also generate annual fees if they are not opened after application. Many cardholders will be overdue because they have not repaid the annual fee and bear the corresponding penalty interest.
1. If you ignore the annual fee and the repayment is overdue, you must repay it as soon as possible, preferably in full. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.
It is not common to apply for a credit card. When the credit card is overdue, I plan to use it completely, simply ignore the credit card, and neither repay nor cancel the card. This practice is very wrong. If you don't pay it back all the time, it will be overdue once a month, which means that you will be recorded with a bad credit record once a month. And if you don't repay for many months in a row, you will be sued by the bank and sentenced to malicious arrears. The credit history will be worse, the amount owed will drag on, and you will be fined.
3. If the credit card is overdue, the credit card center of the issuing bank will collect it. Some people, because of ignorance and blind arrogance, not only don't pay back, but also "run away" by changing their addresses and mobile phones, so that banks can't be contacted. In fact, this practice is absolutely not desirable. When handling a credit card, the real name information has been recorded by the bank. Once "running away", banks will identify malicious overdrafts and arrears.