Generally speaking, for overdue credit card holders, banks will have a grace period of 1 to 2 months. During this period, the bank will call and send text messages to remind customers of repayment, and the third month will be officially overdue.

Overdue repayment will lead to default interest on credit cards, and interest will be charged at the rate of five ten thousandths of daily interest; In addition, there will be a late fee, which is generally 5% of the overdue amount.

Consequences of overdue:

1, bear high penalty interest;

2. Causing legal disputes;

3. Leave a "credit stain" in the national credit information system.