The bank didn't tell who was responsible for the overdue.

This situation can be negotiated, but your attitude is better. Don't always think that the bank didn't remind you. First, the repayment time will definitely be written in the loan contract. You can't blame the bank for not remembering the contract. Second, banks usually remind you by phone or SMS, unless you can't be contacted. Third, individuals take full responsibility for this situation.

Overdue loans and overdue credit cards should:

1. Pay off the arrears as soon as possible, including the principal, interest and overdue fine. The longer the delay, the higher the overdue fee.

2. If you really can't pay off the arrears, you can call the customer service phone of the issuing bank to explain your situation, negotiate repayment with the bank and request an extension.

In addition, if the credit card is overdue for too long, you can choose to continue to use the credit card and then repay it on time. If you keep a good record, you can cover up your bad record after five years.

: 1, resulting in penalty interest. Although the policy of every banking institution is the same, as long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest.

2. Being classified as dishonesty will affect future loans and property purchases. After the deadline, the credit report will inevitably leave a bad record. If the circumstances are serious, it will not only be included in the list of untrustworthy executors, but also affect future real estate loans.

3. facing litigation problems. Generally speaking, after a certain period of time is overdue, the bank will issue a collection notice. If the collection fails, the bank will sue the borrower and safeguard the legitimate rights and interests through legal means.

The first thing that affects the overdue period is credit reporting, which is short-term, 1-3 days. Some banks have a default buffer period, which has little impact. You can call the bank customer service without uploading the credit information, but there is no need to call. Although the buffer period exists by default, I still need to communicate with the bank.

legal ground

According to Article 4 of the General Rules for Loans, the lending activities of both borrowers and borrowers should follow the principles of equality, voluntariness, fairness, honesty and credibility.