Repaying only part of a credit card is considered overdue. Regardless of whether it is half or two-thirds, as long as the credit limit wiped out last month is not paid off before the repayment date, it is considered overdue. If the money is not paid off, it is considered overdue.

For example, if you used up 1,000 yuan on your credit card last month and only repaid 500 yuan before the repayment date, then the remaining 500 yuan will become an overdue repayment and will be repaid according to the overdue regulations. Penalty interest will also be recorded in your personal credit report.

What is the game in the overdue stage of credit cards?

Overdue for 1-3 days:

Cardholders who frequently use credit cards generally hold a large number of credit cards. During the process of continuous credit card repayment, it is easy to fail to repay on time or miss a certain credit card. Banks generally have an understanding attitude towards this situation and provide 1-3 days of delay service.

If the cardholder pays off the debt within the service period, the bank generally does not report it to the central bank's credit reporting system, which has little impact on personal credit reporting.

Overdue for 3-30 days:

After the credit card is overdue to this stage, the card-issuing bank will remind the cardholder to repay through text messages, phone calls, etc., and will start to charge due to the overdue credit card. resulting fines and liquidated damages.

Dinders during this period are generally bank staff with good attitudes, easy communication, and will not affect their own lives. However, it is worth noting that the overdue credit card during this period has been included in the personal credit report. However, if the outstanding balance can be paid off in time, it is possible to eliminate the impact on the personal credit report through negotiation with the bank.

30-60 days overdue:

At this stage, credit card overdue has become more serious. Bank staff have begun to increase the frequency of collections from cardholders and have begun to contact cardholders. Relatives and friends. The normal life of the cardholder will also be affected at this stage, because the impact of an overdue credit card on personal credit cannot be eliminated, and it will cause inconvenience to future house purchases and other loan businesses.

During this period, credit card holders should seek help from family and friends and try their best to repay or express their willingness to repay to the bank to avoid being considered a malicious overdraft by the bank.

Overdue for 60-90 days:

If the cardholder fails to negotiate with the bank or repay the loan during this period, the bank will determine that the cardholder has malicious overdraft behavior and entrust a third party to do so. The third-party collection agency carries out compulsory collection for cardholders.

Card holders are often harassed by collection agencies and even threatened and verbally threatened. If the cardholder still fails to repay or is not willing to repay after three effective collections from the bank, the lawyer will issue a lawyer's letter to the cardholder.

90-120 days overdue:

Generally, within 25-30 days after the card-issuing bank issues a lawyer's letter to the cardholder, the cardholder fails to repay or negotiate with the bank. Yes, the cardholder will receive a bank summons. If the amount owed exceeds 50,000 yuan, the cardholder will bear corresponding criminal liability.

Therefore, in order to avoid this situation, cardholders should actively communicate with the bank at this stage, express their willingness to repay, and negotiate a suspension of interest rates. After successful negotiation, they will stop penalty interest and collection, avoid bank prosecution, and extend the repayment period. Some banks will also reduce some liquidated damages that have been incurred.