if the bank credit card is overdue, it will not only require the cardholder to pay the bank late fee and interest, but also affect the cardholder's personal credit record. If there are more than three bad records (overdue for three times) within 12 months, the bank can synchronize the bad records to the People's Bank of China, and the cardholder's application for credit cards, car loans and mortgages of various banks in the next five years may be rejected.

Therefore, to remember your final repayment date, you can open SMS reminder service or pay attention to the bank's WeChat WeChat official account to know your repayment information in time; If you need to go out before the final repayment date, it is recommended to repay in advance; If you can't repay in time because you are out, you can call customer service to explain the situation and apply for an extension of repayment, which usually takes 2 to 4 days; If the repayment cannot be made in time due to financial reasons, it is suggested that the minimum repayment amount must be paid back to ensure that no credit card overdue records will be generated.

if the credit card has been overdue, you must not cancel the credit card immediately after the full repayment, but insist on using the card for more than two years after the full repayment, and ensure that the credit during the use of the card is good, so that the overdue record of the credit card can be removed from the credit information system by rolling records.