If the contract machine fails to pay back the money within the specified time, it will have a bad influence on the credit investigation; Overdue repayment after the repayment date will be recorded in the credit report; Overdue bad records will be recorded in personal credit records, and if they are not returned all the time, they will be blacklisted, which will affect personal credit information;

There are many ways to repay by credit card:

1. Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

2. Counter refers to the bank card issued by networked financial institutions, which is used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Trading Center.

3. Repayment by using "Repayment Pass" is generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

4. Reimbursement within the issuing bank. The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

5. Convenience store repayment, mainly through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Handling methods and consequences of bad credit reports;

(1) Ensure timely payment of arrears and all expenses;

② Bad records can be cleared automatically after five years, and loan business can be handled normally at that time;

(3) If the repayment is not made, the bank can trace it back once after five years, and the non-recording period will be increased by five years;

(4) If the circumstances are bad, it can be traced back to permanent preservation;

⑤ During the period of bad credit investigation, you can't buy train tickets or plane tickets to travel;

6. Loans and credit cards are not allowed during the period of bad credit investigation;

⑦ During the period of bad credit reporting, travel abroad is restricted to some extent.