Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the money consumed is not deposited in the designated account in full and on time. Overdue will generate interest and affect credit information, and serious will be prosecuted by the court and imprisoned. Credit cards have two concepts: billing date and repayment date (also known as the last repayment date). The billing date is the date of transaction settlement in a billing cycle, and the repayment date is a repayment period. Because you can't get back in touch with the customer service, you can't rule out that you misunderstood the customer service staff's explanation or the customer service staff's statement was unclear or even incorrect. The repayment date is mainly used by the bank to judge whether the cardholder has a malicious overdraft tendency and to judge the cardholder's economic situation. Therefore, repayment after the final repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation with the issuing bank.
Overdue loans are also called "overdue loans" or "overdue loans". Refers to the unpaid part of the loan within the repayment period stipulated in the contract. From the date of overdue, it will be transferred to the overdue loan account, and the words "overdue loan" will be marked on the head of the loan account. In order to urge the loan unit to return the overdue loan as soon as possible, 20% interest will be charged on the overdue part. According to the national loan regulations, if the principal and interest cannot be repaid on schedule, it shall be returned with the retained basic depreciation fund, enterprise fund or retained profit, and shall not occupy the cost, tax or profit. Interest and compound interest on overdue loans shall be calculated to the due date of performance determined by the judgment. If the borrower fails to repay the principal and interest of the loan on time, the bottom line of his civil liability for breach of contract should be the due performance date determined by the court judgment. Once the judgment determines the date of payment, the borrower shall not continue to breach the contract after the judgment takes effect, which is mandatory, binding and executive of the court judgment. If the borrower still fails to pay off after the maturity, then according to the provisions of Article 232 of the Civil Procedure Law of our country, the borrower shall bear the responsibility of delaying the performance of the court's judgment, that is, paying double interest to delay the performance of the money. If the borrower pays off in advance before the expiration of the performance period determined by the judgment, the interest payment shall be reduced accordingly on the basis of the judgment. This is a voluntary settlement between borrowers and does not violate the law.