Credit card loans not only have an impact on banks, but also on social capital flow. Once the credit record is defiled, future financial lending behavior will be affected.
1. Credit card loans overdue not only has a late payment fee of 5% of the minimum unpaid part, but also has a full penalty interest on the bill (5/10000 per day, interest will start to accrue on the day of consumption, and interest will be recovered monthly until the principal and interest are paid off), which will also cause a bad credit record in the Credit Information Center of the People's Bank of China, seriously affecting the application for credit cards and bank loans within five years.
2. If the payment is overdue for more than three months or the bank reminds you twice, the bank will freeze the card and list it as a prohibited customer (blacklist). At the same time, you will be sued for credit card fraud and malicious overdraft, which will be enforced by the court.
3. If a person refuses to repay the loan after prosecution, and the debt exceeds 654.38+00000, the court will punish him according to Article 654.38+096 of the Criminal Law.
Extended data:
Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned.
Credit cards have two concepts: billing date and repayment date (also known as the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle.
Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect.
The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.
It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!
References:
Baidu encyclopedia-overdue repayment