1, 50% penalty interest and 5/10000 overdue fine will be charged. And it is calculated according to compound interest. The longer the overdue period, the more money you have to pay.
2. After the personal credit report is overdue, it will leave a bad record. With a bad record, it will be very difficult to buy a house, a car and a credit card in a bank loan, including online loans, because now the "Xinlian" has been established, and both banks and online loans will receive credit reports in the future. The information of Xinlian is shared by the loan platform. So there will be records in the expired places.
3. A few days overdue, the bank just sends a text message to remind the user to repay. After one month overdue, the bank customer service will call the user to urge repayment.
4. If the user fails to repay after two months, the bank will forward it to the debt collection company, and the debt collection company will call your family and users for collection. Then the attitude will be bad.
If the repayment is not made after three months, the bank will initiate judicial proceedings and bring a lawsuit to the court. At that time, users will receive a lawyer's letter or a court summons. At that time, the court will freeze users' assets, including real estate, cars and bank accounts. If there are funds in the bank accounts, they will be used for repayment and payment of prosecution fees.
6. If you go to court to sue, users will be blacklisted as "untrustworthy". If you are blacklisted, you can't fly, take the high-speed train, stay in a star-rated hotel, be a business leader, be a director, be a member of the board of directors, your family will be implicated, and your children can't go to private schools. If the circumstances are serious, they shall be sentenced to fixed-term imprisonment.
7. Therefore, it is best not to owe money to the bank. The consequences will be serious. The loan should be repaid on time. If you do have difficulties, you can take the initiative to consult with the bank, and the bank will reduce some overdue interest according to the actual situation.
Extended data:
1. Generally speaking, every bank will charge a certain amount of interest for overdue repayment, which is different for each bank, and is generally five ten thousandths of interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.
2. The minimum repayment amount can be paid before the total recommended amount is paid, which will not affect 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.
3. When the credit card (debit card) holder chooses the minimum repayment method or uses the card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and the overdraft interest will be calculated at the specified interest rate from the bank bookkeeping date.
Credit card has two concepts: billing date and repayment date (also called 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.
5. The repayment date is mainly used by the bank 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.
Baidu encyclopedia-overdue repayment