Credit card overdue.
If the credit card is overdue, according to the provisions of the self-discipline convention of the bank card industry, the repayment will be overdue for up to 3 days, and if the repayment difference is less than 10 yuan will not charge penalty interest. Otherwise, it is considered overdue.
What is the impact of overdue credit card repayment?
1, resulting in interest and late fees.
Interest generally refers to the full penalty interest, that is to say, even if the customer repays a part, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at the daily interest rate of five ten thousandths.
The late payment fee refers to the "late payment fee" charged by the cardholder for the unpaid part of the minimum repayment amount when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount. The proportion of overdue fine shall be uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount.
2. If the repayment is overdue for more than 3 times, you can apply for a small credit card or borrow a high-interest loan.
3. Have a bad credit record.
Those who are overdue for more than 6 times and fail to pay once will be blacklisted by the Personal Credit Information System of the People's Bank of China. Being blacklisted may affect work, school and going abroad. Don't think that it affects only yourself, your spouse and children. At that time, it was too late to regret, and the credit report did not believe in tears.
4, bear criminal responsibility
Malicious overdue payment, exceeding the prescribed limit or time limit, has not been returned for more than 3 months after two reminders, and is characterized as "malicious overdraft".
Those who maliciously overdraw more than 654.38+00000 yuan but less than 654.38+000000 yuan, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention. 6.5438+10,000 yuan to 6.5438+10,000 yuan, if the amount is huge, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years.
If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, if the amount is huge, especially huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;
Those who maliciously overdraw more than 6,543,800 yuan, the amount is especially huge, or there are other especially serious circumstances, shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or their property shall be confiscated.