4, that is, the bad credit records generated by overdue repayment of credit cards will be kept in the credit information system for two years. If it is terminated by a credit card, the credit card repayment information will be recorded by the central bank's credit information system for 24 months, and an application for deferred repayment and interest concessions will be made.
2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment and negotiate a repayment plan acceptable to both parties, preferably full repayment, and must repay as soon as possible. Then I called the bank credit card center and found that the repayment after the deadline was not bad, and the deadline was delayed and the interest was discounted. Never be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue, and then pay the monthly repayment amount after the bank agrees to postpone the repayment. If you take the initiative to contact the bank in this way, it may not be recorded as a bad record, but you should stick to using the card for more than two years and maintain a good credit during this period. However, it should be noted that you should declare that you are not malicious and promise to repay as agreed in the future.
3. If the repayment is neglected at ordinary times, and it is found that after the overdue, if the previous records have been good and the overdue time is short, the corresponding records will not be scrolled, but will be kept for a long time. Therefore, it is best not to cancel the credit card 1 immediately after the overdue repayment of the credit card. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other accidents, before the deadline for repayment comes,