Every bank will charge a certain interest on 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.

When the credit card holder chooses the minimum repayment method or uses the card beyond the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and the overdraft interest will be calculated at the specified interest rate from the bank bookkeeping 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:

Expiration risk:

1, high penalty interest:

No matter what kind of loan, as long as it is overdue, it will face high penalty interest and liquidated damages, including credit cards, so I suggest you not to overdue easily. Otherwise, the more money you roll, the harder it will be for you to pay it off.

2. Personal privacy information is illegally leaked:

Having said that, I have to talk about the sensational campus loans and naked loans. I took nude photos of the borrower. If I don't repay the loan according to the date, I will post the debtor's photo, ID card and personal information on the Internet, which will bring great trouble to the debtor.

3. The defendant went to court:

I was sued by a loan company and fought a lawsuit. Such cases have been common for a long time, but because of the long time period and high cost of court judgment, the loan company is not willing to go to court when the general amount is not very large.