The interest will not increase, but it will be used if it is overdue. The reason why online loans charge more than credit cards is that overdue interest charges are higher. The same goes for credit cards, the interest rate becomes higher after the payment is overdue. For example, for a credit card loan of 1,000, the interest rate is usually 30 yuan a month. If it is overdue, it may become about 1.5 yuan per day and 45 yuan a month. If it is an online loan, it will be even more.