Like all overdue credit cards, the overdue credit card of ABC will be recorded in the cardholder's personal credit record, which will affect the cardholder's application for credit cards and bank loans. Those who maliciously overdraw and fail to repay shall also bear relevant legal responsibilities; Of course, the overdue credit card still needs ABC to bear certain economic losses: if the cardholder fails to repay all the due funds on time, he will not enjoy the interest-free repayment period. That is, the overdraft amount of the credit card bears interest from the bank bookkeeping date, and the daily interest rate is 0.5 ‰, and the compound interest is deducted from the cardholder's account on a monthly basis. If the minimum repayment amount is not repaid on schedule, a late payment fee of 5% of the minimum repayment amount shall be paid according to a certain proportion.
How to avoid the overdue credit card of ABC?
Remember your last repayment date. Card friends with bad memory can open SMS reminder service or pay attention to the official WeChat of ABC Credit Card to know their repayment information in time. If you need to go out before the final repayment date, it is recommended to repay in advance; If you can't repay in time due to financial reasons, it is suggested that you must find a way to repay the minimum repayment amount to avoid overdue credit card records.
What should I do if the Agricultural Bank's credit card is overdue?
If it is negligent to forget the repayment, the ABC credit card is overdue. If you find that it is overdue, you must repay it as soon as possible, preferably in full. Then call 95599, Agricultural Bank of China 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. If it is recorded as a bad record, you can continue to use the ABC credit card after full repayment, and you can achieve "white washing" if your credit status is good for two consecutive years.