2. The overdue fine shall be calculated at 5% of the unpaid part of the minimum repayment amount, and interest shall be charged on the day of consumption, and compound interest on a monthly basis until the principal and interest are paid off; At the same time, the bank will charge five ten thousandths of the daily interest on the whole bill.
3 overdue within one month, as overdue once. As long as it is overdue, it will be more difficult to increase the quota.
4. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow and apply for a credit card in the future.
5. The bank will freeze the credit card if it exceeds a certain amount and time.
Extended data:
What should I do after the deadline:
1. If you have repayment ability, but miss the repayment date, you should contact the bank in time to explain the situation and repay in full. Call the bank's credit card center and declare that you owe money without malice. If you have a good past record and a short overdue period, and you find that the repayment is good after the overdue period, it may not be recorded as a bad record.
2. Credit card overdue repayment will produce bad credit records, so we can only wait for these records to be eliminated naturally, and the bad credit records generated by credit card overdue repayment will be kept in the credit information system for two years. Therefore, after the credit card is overdue, don't cancel the credit card immediately after paying off the debt. You should insist on using the card for more than two years, maintain good credit during this period, and remove bad records from the credit information system.
3. If the credit card is frozen by the bank, the cardholder should call the bank to explain the situation and apply for unfreezing the credit card. If the overdue situation is not serious, as long as the credit card center confirms that your arrears have been paid off, it will unfreeze you immediately, and your credit card can be used after unfreezing.
Baidu encyclopedia-credit card full penalty interest