Nowadays, many people are used to spending with credit cards in their daily lives, but they often fail to repay their loans on time. Although they have paid back the money after the deadline, the overdue behavior that has happened will not be written off with the repayment. Many people want to know whether it will affect the overdue repayment of credit cards. Let me give you a brief introduction today. Does it matter if the credit card is overdue? Credit card failure to repay on time will directly affect credit. In the credit society, personal credit is regarded as a symbol of economic status and one of the most critical reference factors for handling credit card loans. Having a bad credit record will make it more difficult to apply for a credit card. Although it is overdue, bad credit will not disappear immediately, and will be completely eliminated after five years. Before the elimination of bad credit, it is more difficult to apply for loans or credit cards, and the difficulty will increase according to the length of overdue time. For example, if the overdue time is less than one month, there will be some opportunities after paying off the arrears; For example, if it is overdue for more than 3 months, or accumulated for 6 times, there is no chance for at least 2 years, because it has become a black account for credit information. The key is not only credit damage, but also high penalty interest, fancy collection, and the most serious may be investigated for criminal responsibility. Many people maliciously overdraw their credit cards, which constitutes the crime of credit card fraud. Even if they were bought, they were still arrested and punished. Therefore, it is suggested that they should not be overdue and pay back the credit card arrears on time. There is really no money to pay back. If you can't repay due to force majeure, you'd better contact the bank in time to see if you can negotiate repayment, or borrow money from relatives and friends to repay.

Legal objectivity:

Article 676 of the Civil Code of People's Republic of China (PRC) 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. Article 678 of the Civil Code of People's Republic of China (PRC) * * * The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended. Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.