1. If the payment is overdue for one month, the bank will charge a certain late fee and interest. The late payment fee will be calculated according to 5% of the unpaid part of the minimum repayment amount, and the formula is: late payment fee = (minimum repayment amount-paid amount as of the due repayment date) *5%. In addition, the bank will charge interest of five ten thousandths of the bill every day.

2. If the cardholder fails to pay off the minimum repayment amount before the due repayment date of the current month's bill, the credit card center of each bank will send a collector to collect it by phone the day after the bill date. If the minimum repayment amount is not paid off within the specified time, the system will automatically issue a reminder or a reminder letter according to the telephone collection of the account and the actual arrears. If the telephone or letter collection is invalid, and the repayment date exceeds 60 days, or there is a high risk in the letter or telephone collection, the bank will come to collect it.

3. If the cardholder is unable to repay the loan for some reason, before the final repayment date, he should first state his financial situation, say that he is not maliciously overdrawn, apply for deferred repayment and interest, remember to have a good attitude and actively communicate with the bank.

4. If the cardholder fails to repay for three consecutive times or six times in total, this situation will leave a bad record in the People's Bank of China. Therefore, if it is only one month overdue, it will not enter the credit information system for the time being, but it will definitely affect the adjustment of the quota. After a long time, the bank is likely to reduce the cardholder's quota.