Those who are overdue for more than 9 days are illegal credit users, and extra expenses such as liquidated damages and overdue interest will be incurred if they are overdue. Penalty interest and liquidated damages. If the loan is not repaid, the first thing you will encounter is the legal interest and liquidated damages. If you don't want to get yourself into the loan quagmire, you'd better develop good repayment habits. Generally, banks have a fixed standard. As long as they are overdue for more than 9 days, they are generally black households. This is the standard of most banks. Many people talk about black change, because as long as they are blacklisted by banks, they will never want to enjoy the welfare activities of banks in the future. Overdue for more than 9 days is serious overdue. Under normal circumstances, the personal credit card bill is overdue, and the bank will collect the debtor in accordance with relevant regulations in the first three months. If the collection is successful in these three months. Then the bank sedan chair will not take the next step of collection. If the bank fails to collect the credit card within three months, then according to the law,

if the credit card is overdue for three months and fails to collect it, the bank can take legal proceedings. However, whether banks will take legal proceedings immediately after three months is different for each bank. However, once it enters the legal process, it will definitely be recorded on the personal credit report. This is the straight rotten sail into the blacklist, that is, the black household.

article 675 of the civil code of the people's Republic of China

the borrower shall repay the loan within the agreed time limit. If the term of the loan is not stipulated or clearly stipulated and cannot be determined according to the provisions of Article 51 of this Law, the borrower may return the money at any time, and the borrower may be urged to return it within a reasonable time.

article 676 if the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.