1. What will happen if your credit card is overdue for half a year?

1. Overdue credit card will lead to high penalty interest and liquidated damages;

　2. Damage to credit;

　3. Harassed and harassed by various means;

　4. Impact on other lives: becoming a dishonest person, affecting consumption, travel, children's education, etc. .

2. What to do if the credit card loan is overdue

1. Ask relatives and friends for help. Borrowing money from relatives and friends to repay a small credit loan is the most direct way, and it is also the first thing that comes to mind in life. Once the personal funds are turned over, repay the money to them.

2. Apply for extension. Many lending institutions can apply for loan extension. If the borrower's small loan is overdue, the borrower can apply for loan extension from the lending institution. As long as the borrower has sufficient reasons, I believe the lending institution will be lenient. By applying for a loan extension, the borrower will not be charged penalty interest, and there will be no stain on his or her personal credit record.

3. Use credit cards skillfully to repay. If the borrower has a credit card, he or she can use the credit card to withdraw cash to repay the small loan. Generally, the loan amount of small loans is not very high. Individuals can use the money used for personal living expenses for repayment, and try to use credit cards for consumption. This method is actually considered a credit card repayment. Therefore, borrowers can use credit cards to repay small loans.

4. Apply for installment. If you really do not have the ability to repay, you should negotiate with the credit company to extend the repayment period or repay in installments.

3. Will credit card installment repayment affect the credit report?

1. Credit card installment repayment will not affect the credit report, but if the cardholder applies for installment repayment, it will not affect the credit report. After making the payment, you still cannot repay it on time, which will affect your personal credit score.

2. The handling fees required for credit card installment repayment are the main source of bank profits. Therefore, appropriate installment repayment will not only not affect your credit report, but also help increase the credit card limit.

3. The installment amount is the amount that must be paid on time before the due date of the bill in order to maintain a good credit card record every month.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.