The consequences of overdue credit cards are as follows:
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
Extended data
Failing to pay back the credit card within the time limit will affect the credit information, resulting in liquidated damages and interest, and serious cases will be prosecuted by the court and imprisoned.
From May 1 2065438, the National Development and Reform Commission, the Central Civilization Office, the Supreme People's Court, the Ministry of Finance, Ministry of Human Resources and Social Security, State Taxation Administration of The People's Republic of China and China Railway Corporation jointly issued regulations to restrict certain serious untrustworthy people from taking trains and planes.
On June 1 day, the websites of China Railway Customer Service Center and Credit China published a list of 3 1 people who were found to be seriously untrustworthy and would be restricted from taking the train. The publicity period is 7 working days. After publicity without objection, the railway department will impose penalties on restricting ticket purchase.
According to the regulations of the Transport and Housing Bureau of the Mainland and the Hong Kong SAR Government and the Mainland on the Guangzhou-Shenzhen-Hong Kong high-speed rail, since the Hong Kong section of the high-speed rail is a cross-border railway, operators in the Mainland and Hong Kong have formulated the same rules on ticketing. According to relevant mainland policies, some "serious untrustworthy people" will be restricted from taking the high-speed rail.
Baidu Encyclopedia —— People who break their promises
Baidu encyclopedia-credit card