Credit card overdue. If the credit card is overdue, according to the self-discipline convention of the bank card industry, the repayment will be overdue for at most 3 days. If the repayment difference is less than 10 yuan, no penalty will be charged. Otherwise, it is deemed overdue.
Failing to pay back the credit card within the time limit will affect
1, resulting in interest and late fees.
Interest generally refers to the full penalty interest, which means that even if the customer repays part of the money, the repayment part will not be deducted when calculating the penalty interest, and the interest expense is usually calculated at the daily interest rate of five ten thousandths.
The late payment fee refers to the "late payment fee" for the unpaid part of the minimum repayment amount when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount. The proportion of overdue fine shall be uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount.
2. If the repayment is overdue for more than 3 times, you can apply for a small credit card or borrow a loan with high interest rate.
3. Have a bad credit record.
Those overdue for more than 6 times and not returned at 1 time will be blacklisted by the Personal Credit Information System of the People's Bank of China. Being blacklisted may affect work, school and going abroad. Don't think it affects only yourself, but also your spouse and children. At this time, it is too late to regret, and the credit report does not believe in tears.
4, bear criminal responsibility
If the payment is overdue in bad faith, exceeding the prescribed limit or time limit, and the issuer fails to return it for more than 3 months after two reminders, it is characterized as "malicious overdraft".
Malicious overdraft of more than 6,543,800 yuan but less than 6,543,800 yuan, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention. 654.38+ 10,000 yuan to 654.38+10,000 yuan, a huge amount, was sentenced to fixed-term imprisonment of not less than five years but not more than ten years.
If the amount is more than 6,543,800 yuan but less than 6,543,800 yuan, if the amount is huge, huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;
Whoever maliciously overdraws more than 6,543,800 yuan is especially huge, especially huge, or has other especially serious circumstances, shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated of property.