1. As long as the loan is repaid before the afternoon of the repayment date 12, the repayment is not overdue.

2. The due repayment date is also called the final repayment date. If the repayment is not made in full before the due repayment date, and the minimum repayment amount of the credit card is not selected, the possible penalties are:

1. All consumption funds will no longer enjoy interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the date of consumption, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis;

2. Receive phone calls and letters from banks; 3. Freezing one's account and feeding back the record of arrears to the People's Bank of China and recording it in the credit file will affect personal credit; If you really don't have enough money to repay in full on the due date, please choose the minimum repayment amount of the credit card. If you repay in this way, you only need to return 10% of the total cost each time, so that although there is no interest-free repayment period, you can avoid personal credit damage.