You can apply for suspension of payment after the credit card is overdue for three months. Generally, the bank does not allow users to apply for suspension of interest payments for one or two months overdue, and it is best that the application probability will be much higher after three months overdue. There is no clear time limit for applying for suspension of payment. If the user can prove that the individual does not have the financial ability to repay and has a strong subjective repayment intention, then he can provide relevant certificates to the bank to apply for suspension of payment. However, the time to stop paying interest should not exceed 5 years, and during this period, we should persist in making part of the repayment every month. The above is about how long the credit card is overdue and how long it can be applied for suspension of payment. Impact of overdue credit card

1. After the credit card is overdue, the user's personal credit information will have some impact, and it will cause overdue interest, that is, tax late fees;

2. If the overdue behavior does not involve illegal crimes, the user shall bear civil liability. If the bank has not repaid the loan after prosecution, it may be recorded in the credit blacklist;

3. The overdue behavior is caused by an overdraft credit card, and if the overdue amount exceeds the standard and the amount is huge, it will be investigated for certain legal responsibilities.

This article mainly focuses on the knowledge points about how long a credit card is overdue and how long it can be applied for suspension of payment. The content is for reference only.