Industrial Bank is about 3,500 overdue, and received a collection saying that the foreign delegation is going home. What if there is no such thing as parents?

1, generally not directly to the door, may be a means of income. You can just tell him that the phone is recording, so that he won't collect money in this way again. I suggest you repay the loan as soon as possible, so as not to affect your credit loan.

2. If you are in loans overdue, there will be a penalty interest of compound interest. The system will repay the overdue loan principal and interest in installments in the order of overdue time (in the order of compound interest, default interest, outstanding interest receivable and overdue principal) from the date when the loan should be repaid. Prompt default interest = overdue principal * default interest rate * overdue days; Compound interest = overdue interest * default interest rate * overdue days.

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1. Generally speaking, every bank will charge a certain amount of interest for overdue repayment, which is different for each bank, and is generally five ten thousandths of interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

2. 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!

3. When the credit card (debit card) holder chooses the minimum repayment method or uses the card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay the overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.

Credit card has two concepts: billing date and repayment date (also called 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.

5. The repayment date is mainly used by the bank 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.