If your credit card is one day overdue, it will basically not be reported to the credit bureau. It is recommended that you pay it off properly. Unless you have a commercial credit card, your credit card will be subject to a credit report even if it is one day overdue. If you really can't make the turnover, you can choose the minimum repayment. If you can't make the minimum repayment, you can choose to make an interest-free loan to repay the loan.

The impact of being overdue for one day is not big. Although according to the rules, if the payment is not received by 12 pm on the last payment day, it can be regarded as overdue. The bank has the right to count you as overdue and report it to the tax levy. letter. However, major banks generally have buffer periods. As long as the money arrives within the buffer time, there will be no problem. Note that it is a deposit, not a transfer.

Be sure to call the bank after transferring the money. In case of network delays, weekends, or inter-bank transfer time differences, etc., the stipulated time may be exceeded. Let the bank know that you have transferred it.

Overdue credit reporting can be changed under the following circumstances:

1. It is caused by doing official business in a remote place with poor network.

2. Perform special tasks, such as special police.

3. Application signed by the boss of the bank’s asset management department.

In short, the situation is indeed very special, and there is evidence to prove it.

What will be the impact of overdue credit reporting:

When using a credit card, we can generally enjoy an interest-free period ranging from more than 20 days to more than 50 days, but if it exceeds If we have not made repayment during the interest-free period, then our bill will be overdue, and the corresponding primary penalty is that we will bear the corresponding overdue interest.

The main impact of overdue payment is not the penalty interest, but that our overdue records will be uploaded to the central bank’s credit reporting system, so we will also leave bad records caused by overdue payments. A tainted credit report will have many impacts, such as our subsequent mortgage and car loans, personal travel, employment, etc.

If the degree of overdue payment reaches a very serious level, it will constitute a malicious overdraft and will be prosecuted for credit card fraud. The sentencing standard will be based on the amount of our malicious overdraft, which includes fixed-term imprisonment of less than 5 years, more than 5 years and less than 10 years, more than 10 years, or life imprisonment, and a penalty of not less than 20,000 yuan but not more than 200,000 yuan, and more than 50,000 yuan. Fines of up to 500,000 yuan or confiscation of property.

If your credit card is overdue more than 6 times within two years, you will not be able to apply for a provident fund loan. There may be a chance of saving if we accidentally overdue once or twice, but if we are overdue three times and six times in a row within two years, then our provident fund loan will be out of reach for us. Because when banks or provident funds handle credit business, they mainly rely on the credit history of the lender in the past two years. Therefore, cardholders who want to apply for a provident fund loan to buy a house must repay on time when using their credit card for consumption.

If the overdue payment is not serious, then in theory we can still handle bank loans. Many cardholders who want to borrow money to buy a house have been overdue and have a bad credit record. If you apply for a commercial loan in this situation, most banks will increase the base interest rate by at least 10% because of your credit problem. Obviously, your cost of buying a house will increase greatly. If the number of overdue loans is high and serious, then you will be directly denied a loan by the bank. Therefore, when using a credit card, considering that we have plans to buy a house in the future, we must not be overdue.