Personal advice:
The compensation function is compensated by the insurance company, and the circumstances are very serious. If compensation is frequent, it will also seriously affect your personal credit information. Before making a life loan, you must ensure that you have a certain repayment ability. If it is overdue for a short time, you can call the corresponding customer service in time to solve it. If there is frequent compensation, the subsequent repayment amount will increase accordingly. Only by developing the good habit of paying back on time in life can we better protect ourselves. You need to check your personal credit information before taking out a loan. If your credit information is tainted because of your own operational mistakes, it will also have a great impact on your future loan operation.
Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.
It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!
Extended data:
Credit cards have two concepts: billing date and repayment date (also known as the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect.
The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.