You can apply for repayment by installment, or you can choose the minimum repayment amount, otherwise you will have to pay a late fee, which will also affect your personal reputation. \x0d\ 1。 Overdue payment, to pay overdue interest and late fees; \x0d\2。 The late payment fee is 5% of the arrears, and the interest is calculated at the daily interest rate of five ten thousandths; \x0d\3。 Call the credit card center or bank to explain the situation; \x0d\4。 If it is overdue once, it will be repaid immediately in a short time, which will not have any impact on the credit record; \x0d\5。 There is a certain impact on the application, and the withdrawal amount will be slightly reduced; \x0d\6。 Have a certain impact on loans; \x0d\7。 If it is overdue for more than 60 days, enter personal credit records in the diary; \x0d\8。 Records overdue for more than 90 days are regarded as bad credit reports.