If the credit card is overdue, the bank will not sue or file a case. If it is overdue after the repayment date, it will be recorded in the credit report. Overdue bad records will be recorded in personal credit records, and if they are not repaid, they will be blacklisted, which will affect personal credit information.

How will banks handle overdue credit cards?

1. Consumers no longer enjoy interest-free repayment of their money. The issuing bank shall calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of five ten thousandths and compound interest on a monthly basis; For the unpaid part of the minimum repayment amount, a fine of 5% will be charged every month. ?

2. Receive a dunning call or letter from the issuing bank. ?

3. The credit card account is frozen by the issuing bank, and the debt record may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and make it impossible for the cardholder to apply for a loan normally.