If your Pudong Development Bank credit card is overdue for four days, your credit report will be affected.

Detailed instructions:

1. Four days after the due date, the repayment record of the Shanghai Pudong Development Credit Card will be reported to the People's Bank of China personal credit information basic database.

2. This overdue payment will leave a bad record on your personal credit report and have a negative impact on your credit rating.

3. Credit rating reflects an individual’s credit status and repayment ability, which has an important impact on loans, credit card applications, home purchases, etc.

4. Even being overdue for just four days may lead to an increase in loan interest rates, a reduction in credit limit, or the inability to obtain a credit card with a higher limit.

5. Note that the longer the overdue period is, the greater the impact will be on your credit report and the time it will take to restore your credit will also be longer.

Summary:

A Pudong Development Bank credit card that is four days overdue will have a negative impact on personal credit, and may have an adverse impact on credit ratings and future financial services. Therefore, be sure to make your repayments on time to protect your credit history.

Extended information:

The personal credit information system is a basic credit information database established by the People's Bank of China. It collects personal credit information and provides credit reference for financial institutions. Credit records include information on loans, credit cards, overdue information, etc., which have an important impact on an individual's credit rating.