The bank may take the following measures because you are 13 days overdue:

1. First, the bank may send you a reminder notice asking you to pay off the overdue bill as soon as possible.

2. If you fail to repay the balance within the specified time, the bank may charge you late fees or overdue interest, increasing your repayment burden.

3. Banks may also report your past due history to credit bureaus, which may have a negative impact on your credit score.

4. If you continue to fail to repay, the bank may take legal measures to recover the debt, such as through litigation or entrusting a professional collection company to handle it.

Summary: Late payments can result in late fees, overdue interest, a drop in your credit score, and possible legal consequences. It is recommended that you contact your bank as soon as possible and negotiate a resolution with them to avoid further problems.

Extended information: A credit card is a payment instrument issued by a bank. Cardholders can use the credit card for consumption within a certain limit and repay the borrowed amount before the designated repayment date. Overdue repayment refers to the failure to repay the amount owed according to the date and amount specified in the contract. In addition to having a negative impact on one's credit history, late payments can also result in additional fees and legal disputes.

Note: The above information is for reference only, and the specific situation may vary depending on the region and bank policies. It is recommended that you consult with the relevant bank or financial institution for accurate information and solutions.