Hello, overdue credit card repayment refers to the situation where the final repayment period stipulated by the bank is exceeded and the consumed amount is not deposited into the designated account in time and in full. If the cardholder fails to repay the balance before the final payment date of the current bill or repays the balance less than the minimum payment amount, the bill for that period will become overdue.

If even the minimum repayment amount is not paid, the consequences are:

1. The bank credit card bank center will charge late fees and interest:

1. The late payment fee is calculated as 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB 10 or 1 US dollar

2. At the same time, the bank will also charge an interest of 0.05% per day on the entire bill.

2. Impact on credit

1. If it is overdue within a month, it is considered overdue once. As long as it is overdue, even once, it will be more difficult to increase the credit limit;

2. If you are overdue 3 times in a row or 6 times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;

3. If you are overdue for a certain amount and time, the bank will freeze the credit card.

If you have other specific questions, it is recommended that you call the card-issuing bank and we hope they can help you.