Cardholders should be clear-today's hot credit card will have an impact after repayment?

Now people's consumption concept has changed a lot. Many young people have the habit of spending in advance, and credit cards are the tools that people often use to overdraw in advance. The shopping mode of credit card first consumption and then repayment provides people with more convenience, but some friends have overdue behavior because of improper use of credit card. So what's the impact of credit card repayment date?

1, resulting in penalty interest. After the user overdraws his credit card, if he still fails to repay it after the grace period provided by the bank, it will be regarded as overdue. If there is overdue behavior, the bank will charge overdue interest to the credit card users, and the cardholders will no longer enjoy the interest-free treatment of all the expenses of the bank last month. The overdue interest shall be charged at the daily interest rate of 0.05% and compounded monthly. The longer the overdue time, the more overdue fees will be incurred.

2. Affect personal credit information. Once the credit card is overdue, the bank will upload the overdue record of the user to the credit information system of the central bank. If the personal credit record is overdue, it will have a certain impact on the later application for bank loans and credit cards.

3. Collection by bank. After the credit card is overdue, the bank will collect the cardholder by SMS or telephone, and all kinds of collection will affect the normal life of overdue credit card users. And if the credit card user is overdue for more than 3 months, the bank may also sue the cardholder.

4. Criminal responsibility for malicious overdraft. According to the relevant laws and regulations, if the overdue time of the credit card user exceeds 3 months and the overdue amount reaches 50,000 yuan, then the bank can sue the credit card user for malicious overdraft. Once the court decides that the cardholder's malicious overdraft behavior is true, he may bear criminal responsibility for the overdue credit card.