I received two identical text messages today. Is this a credit card warning? Is it serious?

Probably not, it’s not too serious. First check the consumption amount. If it is one yuan or US$0.99, it may be that the cardholder used the credit card to register some services or memberships. If this is not the case, check the bill details and find out that the transaction is indeed not yours, and call the credit card customer service number as soon as possible to handle it. If you think the card is risky, you can also ask customer service to replace the card.

Overdue loan repayment will have the following adverse consequences:

1. Penalty interest. Whether it is a bank loan or an online loan, when the borrower is overdue, the lending institution will charge the borrower overdue fees. Usually the overdue fee rate is much higher than the normal loan interest rate, and the lending institution may also charge overdue fees, depending on the overdue period. The longer it takes, the more overdue fees will be incurred.

2. Create a bad credit record. Bank loans are all subject to credit reporting. Now many online loan platforms are also connected to the central bank's credit reporting system. Once a user is overdue, the platform will upload their overdue records to the central bank's credit reporting. If an individual's credit reporting occurs Bad records will affect credit business later.

3. Being collected by the lending institution. Usually after a borrower becomes overdue, the lending institution will take certain collection measures against the borrower, and various collection calls will have a certain impact on the borrower's life.

4. Unable to enjoy loan discounts or even apply for a loan. If you fail to repay overdue, a bad record will be left on your personal credit report, which will have a certain impact on the borrower's later loan business. It is usually more difficult for people with stains on their personal credit to apply for a loan, even if they can apply for a loan. , the loan interest rates offered by lending institutions are usually higher than those for users with good credit records.

5. Being sued by the lending institution. After a loan becomes overdue, if the borrower fails to repay the debt for a long time, the lending institution may sue the overdue user and recover the debt through legal means. Therefore, if the loan is not repaid overdue, the borrower is likely to be sued.

6. Add to the blacklist. For some old people who deliberately delay and refuse to repay their debts, they may be included in the list of dishonest persons subject to enforcement. Once they are blacklisted, not only will they be unable to apply for loans in the future, but it will also affect consumption such as flying, high-speed rail, and accommodation. , it will also have an impact on children attending key schools.

It can be seen that the consequences of overdue repayment are very serious for the borrower, so after handling credit business, everyone must pay attention to fulfilling their repayment obligations on time to avoid unnecessary trouble.