If the credit card is overdue and you have to pay 100 yuan per month, the bank will not sue or file a case. However, if you fail to repay or pay off the payment by the repayment date, it is overdue, and there will be a record in the credit report; overdue bad records It will be recorded in the personal credit record. If the credit card is not repaid, it will be entered into the blacklist and affect the personal credit record;

The bank's handling method after the credit card is overdue:

1 , consumption payments no longer enjoy interest-free repayment treatment. The card-issuing bank will calculate interest on the principal of the consumption amount on a daily basis starting from the accounting date, with a daily interest rate of 0.5% and compound interest on a monthly basis. For the unpaid portion of the minimum repayment amount, a late payment fee of 5% will also be charged on a monthly basis.

2. Receive reminder calls and reminder letters from the card-issuing bank.

3. If the credit card account is frozen by the card-issuing bank, the debt record may be fed back to the personal credit reporting system of the People's Bank of China, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a loan normally.

Special reminder: It is recommended that users who apply for credit cards make repayments on time and take good care of their credit records;

How to deal with poor credit records and their consequences;

① Ensure that the arrears are paid off in a timely manner and all fees are paid;

② The bad records will be automatically cleared after five years, and the loan business can be processed normally at that time;

③ If the repayment is not made, the bank will It can be traced back once after five years, and the non-recording period is increased to five years;

④ If the circumstances are serious, it can be traced back to permanent storage;

⑤ During the period of bad credit reporting, trains cannot be purchased. tickets and air tickets for travel;

⑥ During the period of bad credit, you are not allowed to take out loans or use credit cards;

⑦ During the period of bad credit, traveling abroad is restricted to a certain extent.