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问题
工商银行的信用卡有逾期还可以贷款吗?
释义
信用卡有逾期不可以贷款。信用卡欠款逾期的后果:
1、产生违约金,一般是最低还款额,未还部分的5%;
2、高额利息;
3、逾期会让信用记录产生污点,导致今后2年内买房、贷款等金融需求不能办理;
4、逾期超过3个月没还,且金额超过1万,银行多次催款未果,到时候需要承担的不仅是还钱,还可能承担刑事责任。信用卡逾期并不是说过了最后还款日不还,而是指到了下个月账单日不还才算逾期。逾期不还款会影响征信和产生违约金、利息,严重的会被法院起诉、坐牢。
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更新时间:2025/11/23 0:44:12