1, overdue penalty interest: the bank will calculate the corresponding penalty interest according to the number of days you are overdue, which is usually higher than the normal interest level. This will increase your repayment burden.

2. Impact on personal credit record: The bank will submit your credit card overdue record to the credit reporting agency, which will have a negative impact on your personal credit record. Personal credit record is a document for credit reporting agencies to record personal credit status, which has an important impact on personal loans and credit card applications. So overdue repayment will have a long-term adverse impact on your credit. "

3. Impact on credit rating: Credit rating is an indicator for financial institutions to evaluate credit rating according to personal credit records. Overdue repayment will lower your credit rating and affect the conditions and treatment of applying for loans and credit cards from financial institutions in the future.

4. Possible recovery: According to relevant laws and regulations, banks have the right to take legal measures to demand repayment from borrowers. The longer the overdue repayment time, the greater the possibility that the bank will take recourse measures, including telephone collection and legal proceedings.

Therefore, it is suggested that you pay off overdue funds as soon as possible to avoid further financial losses and credit impact.

Pay attention to personal credit and don't blindly apply for loans. Otherwise, once big data is spent, it will be rejected because the comprehensive score is not enough. Get a big data report in "Xiaoqi Credit Information" and clearly understand your situation in online lending big data. The database cooperates with more than 2,000 online lending platforms, and the query data is accurate and complete. You also need to pay attention to personal credit.