1. Credit cards that are overdue and paid off can generally be used.

2. If the credit card debt is overdue and the cardholder has repaid all the debt and interest, if the credit card has not been suspended by the bank, the cardholder can continue to use the credit card, but he must pay attention to timely repayment, otherwise The bank may deactivate its credit card.

1. After a credit card is overdue, banks usually collect collection in the following forms:

1. SMS collection: mainly aimed at the overdue repayment behavior of early cardholders, usually overdue payment. From 7 to 15 days, text messages mainly serve as reminders.

2. Telephone collection: Mainly for overdue behavior that exceeds 30 days and exceeds one billing period, telephone reminders are made for repayment.

3. Door-to-door collection: Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment.

4. Court prosecution: Mainly for cases that are overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment.

If your credit card is overdue for one month, the situation is relatively serious.

Because if your credit card is overdue, it will be uploaded to the credit reporting center by the bank, which will have a great impact on your personal credit in the future. If the amount that is overdue for one month is not particularly large, then the impact of paying off the overdue amount in time will be relatively small. When the credit card is overdue and has been reported to the credit report, after paying off the debt, Bad credit will also be eliminated within five years.

Although subsequent credit inquiries will focus on the records of the past two years, as long as the cardholder maintains a good repayment record, the credit record will not be listed after two years. It will have a big impact.

2. Is the interest generated when a credit card is not repaid in full a recurring interest?

The interest accrued when a credit card is not repaid in full is a recurring interest because all current bills are not paid off on time. , it is deemed to be the use of revolving credit. All consumption in the current period will accrue interest starting from the accounting date (usually the second day after consumption), with a daily interest rate of 0.05% until all is paid off, and credit card cash withdrawals start from the cash withdrawal date. Interest accrual starts on that day. Therefore, late repayment of credit cards and cash withdrawals are not cost-effective because the interest rates are not low and compound. Outsourced collection: Mainly for overdue debts of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.

Legal Basis

"Measures for Punishment of Financial Illegal Acts"

Article 19 Financial institutions shall comply with the relevant cash management regulations of the People's Bank of China and shall not allow entities to Or an individual can withdraw cash beyond the limit.

If a financial institution violates the provisions of the People's Bank of China on cash management and allows units or individuals to withdraw cash beyond the limit, it will be given a warning and a fine of not less than 50,000 yuan but not more than 300,000 yuan; the financial institution shall be directly punished The responsible senior managers, other directly responsible supervisors and directly responsible personnel will be given disciplinary sanctions ranging from a major demerit to expulsion.

Article 20: Financial institutions shall abide by the regulations of the People's Bank of China on credit card management and shall not violate the regulations by overdrafting cardholders or helping cardholders use credit cards to withdraw cash.

Financial institutions that violate the provisions of the People's Bank of China on credit card management and give cardholders a warning if they overdraft or help cardholders use credit cards to withdraw cash, and impose fines of not less than 50,000 yuan but not more than 300,000 yuan. Fines; and disciplinary sanctions ranging from major demerits to expulsion for the senior managers, other directly responsible managers and directly responsible personnel of the financial institution.