I forgot to return my credit card, but the bank never informed me that it was overdue for one month.

Repay in time as soon as possible, including late fees and interest, and pay it off in one lump sum.

The consequences of overdue credit cards are:

I. Bank Credit Card Banking Center will charge late fees and interest:

1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.

2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.

Second, the impact of credit:

1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;

3. After a certain amount and time, the bank will freeze the credit card.