别人信用卡消费很难还清，联系人电话是我的有影响吗-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	别人信用卡消费很难还清，联系人电话是我的有影响吗
释义	没有影响，信用卡逾期一般只会影响持卡人，不会影响他人。信用卡逾期的影响： 1、支付信用卡逾期滞纳金。当持卡人未在到期还款日（含）前还款或还款金额不足最低还款额时，要按照合同约定向发卡银行支付约定的滞纳金。 2、产生逾期利息。用户使用信用卡透支以后，一般有20多天到50多天不等的免息还款期，如果超过这个期限，就要支付相应的逾期利息。 3、影响个人征信。信用卡逾期还款记录会进入央行征信系统生成不良信用记录，不良征信不仅会影响日后办理房贷车贷，还会影响出行、就业。 4、刑事责任。
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