1, no longer enjoy interest-free repayment. When the amount owed is small and the overdue time is short, the issuing bank will calculate the interest on a daily basis with the consumption amount as the principal, with the daily interest rate of 0.5 ‰ and compound interest on a monthly basis; For the unpaid part of the minimum repayment amount, a late fee of 5% will be charged every month.
2. Receive a reminder. When the overdue time reaches a certain period, the bank will send relevant reminders. When handling a credit card, your real name information has been recorded by the bank. Once you "run away", the bank will think that you are maliciously overdrawn and will call the police.
3. Affect personal credit records. If the overdue time is too long and the bank's reminder notice is ignored, the credit card account will be frozen by the issuing bank. The record of arrears may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and make it impossible for the cardholder to apply for a housing mortgage loan normally.
First, credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment; ?
1, if it is paid off in full, it will not generate any expenses;
2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, with interest of 0.05%, and the unpaid part of the minimum repayment amount will be subject to a 5% late fee;
3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, interest shall be paid at 0.05%;
2. Repayment beyond the grace period is deemed overdue: interest is 0.05%, and there is a late fee. Overdue repayment will not only bring you serious property losses, but also affect your credit, so I suggest you not to be overdue, use your credit card reasonably and repay on time.
At the same time, Article 196 of the Criminal Law stipulates that under any of the following circumstances, whoever defrauds a large amount of credit cards shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan;
If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
1, using forged credit cards, or using credit cards fraudulently obtained with false identification;
2. Use an invalid credit card;
3. Fraudulent use of other people's credit cards;
4. Malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Extended data:
Consequences of breaking a promise
1, the release of "Lao Lai blockbuster" increased exposure.
LED large-screen exposure, network exposure, public transport media exposure, and even cinema circulation.
2. Customize Lao Lai's exclusive CRBT.
In order to jointly punish Lao Lai, Luoyang, Enshi, Wuhu and other courts reached an agreement with local communication operators to formulate Lao Lai's exclusive color ring back tones. When the mobile phone calls, the other party will hear the "special reminder from Lao Lai" and will urge the caller to fulfill the repayment obligation as soon as possible.
3. The whole network inquired about assets, and the balance of Alipay was frozen.
The people's court has the right to inquire about your personal assets. The court in Huangdao, Kunming, conducted a network-wide asset inquiry on a dishonest person, and found that there were more than RMB 65,438+10,000 in the Alipay account with real name authentication. Immediately, the court handed over the Financial Statement of Assistance in Freezing to Alipay headquarters and obtained cooperation, and successfully frozen its assets in Alipay.
4. WeChat reward announcement
Guangzhou Intermediate People's Court uses new media means such as WeChat platform to release the information of "Lao Lai", which helps to further solve the "implementation difficulty". Last year, 38 bonuses were awarded, involving an amount of 247 million yuan. Recently, WeChat friends circle advertisements have also exposed "Lao Lai", using big data to accurately deliver, so that Lao Lai has nowhere to escape.
Source of reference: Peking University Legal Information Network-Regulations on the Administration of Credit Information Industry