The following is the relevant information, I suggest you have a look.
If you fail to pay the minimum amount before the due date, you will be charged a late fee and interest, and your personal credit will also be affected. The bank may sue you. At present, domestic credit card breach is subject to criminal responsibility. To put it simply, if you don't repay the loan, the bank will assume that you have breached the contract and report it to the public security organ. The public security organ will let you file a case, but if you don't go, you will be detained directly.
It is important to remind you that if you really owe money and don't pay it off as soon as possible, after all, it is still you who pays the debt. If you keep procrastinating, it will have a huge or even irreversible impact on your credit record, and it will also seriously affect your work and life. The child is going to take the postgraduate entrance examination. After all, the national credit records are online now, and they are recorded wherever they go.
Credit card overdue solution:
1. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other unexpected circumstances, before the deadline for repayment comes, the cardholder had better take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment and interest concessions.
2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment and negotiate a mutually acceptable repayment plan with cardholders, such as the extension period, interest discount, monthly repayment amount, etc. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.
3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.
4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time.
Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.
In today's credit society, don't underestimate the credit card stain, which will lead to many banking businesses that you can't handle, and car loans, mortgages and commercial loans can't pass. Therefore, develop good credit card habits, understand the solutions to overdue credit cards, and be prepared!