How to check if a credit card is overdue? You will understand after reading this

Although the credit card is processed based on our identity information, the money in it is not our own, so after using a credit card for overdraft, we must repay it on time, otherwise it will be affected if it is overdue. Credit penalties will also apply. However, some banks will not notify you when your credit card is overdue, so is there any way to check? Let’s take a look below.

How to check if a credit card is overdue?

There are many inquiry methods, and there are two channels, one is the bank channel, and the other is the credit information center channel.

1. For bank channels, you can log in to the personal account center of the official credit card website, and it will be displayed if it is overdue; or you can directly call the service hotline of the card issuer and ask the customer service to help check. This method is more accurate, because some banks Although the credit card is overdue, it has not yet been reported to the central bank for credit reporting. Timely repayment can save your credit.

2. Through the credit reporting center channel, directly enter the credit reporting center to obtain a personal credit reporting report. The overdue records of credit cards/loans will be displayed on the credit reporting report, and the overdue records of each card can be found. Time, overdue amount, etc. is also a relatively intuitive method.

Credit cards must be repaid after they are overdue

If you do not repay, the bad credit will never be eliminated. During the overdue period, you will often be called upon by the bank. If you are overdue, If the time exceeds 3 months, and the bank has made two effective collections with no results, and the overdue principal reaches 50,000 yuan, it will be considered a malicious overdraft and constitute a credit card crime, which is likely to be punished.

The overdue repayment method is the same as usual repayment. You can repay through mobile banking, online banking, or third-party channels. It is recommended to use free repayment, and it is repayment. Make repayments through channels where the funds arrive in real time, thus avoiding an extra day of overdue interest charges.

The above is the relevant introduction to "How to check whether a credit card is overdue". I hope it will be helpful to everyone. In short, if your credit card is overdue, be sure not to break the bank. Pay off the debt as early as possible, and the impact will be smaller. Otherwise, the longer the overdue period, the more interest will be generated. In serious cases, you may be held criminally responsible.

How to check credit card overdue repayment records? Both channels can be used to check

There are often cardholders who forget to repay their credit card, and they don’t know when their credit report is overdue, so they apply for a bank loan, but as you can imagine, they will be rejected. In order to avoid this situation, it is recommended that you check your credit report every year to see if there are any overdue repayment records. If there are any, try to eliminate them. Let’s take a look below.

Credit card overdue repayment records are all queried on the personal credit reporting system. There are two main query channels, one is on-site query and the other is online query.

1. On-site inquiry

You need to go to the local credit reference center to inquire. You can search the location of the local credit reference center on Baidu in advance, and then bring your ID card to inquire. . This query method is relatively fast, and you can generally query the results and print the credit report directly on the same day.

2. Online query

You can check on the official website of the Central Bank Credit Information Center. You need to register an account in advance, and then follow the prompts to enter relevant information, such as ID card, name, mobile phone number, etc. to log in. Choose a submission method from bank card verification, digital certificate verification, question verification, etc. After successful verification, you will receive a verification code. Then log in to the official website of the Credit Reference Center and enter the verification code to get an electronic version of the credit report.

However, no matter which channel the inquiry is made through, the version and content of the credit report are the same. They are all personal inquiry versions and are different from the bank inquiry version.

Card holders can check the credit card transaction history and repayment status in the credit transaction information on the credit report subject. If there is an overdue record, the repayment status will be marked with a number. Generally, it is 30 days overdue. If the credit report is overdue for more than 30 days and less than 60 days, it will be reflected as a number "2", and so on.

How to check whether a credit card is overdue

There are many ways to check. There are currently two channels, one is the bank channel and the other is the credit center channel.

1. For bank channels, you can log in to the personal account center of the official credit card website, and it will be displayed if it is overdue; or you can directly call the service hotline of the card issuer and ask the customer service to help check. This method is more accurate, because some banks Although the credit card is overdue, it has not yet been reported to the central bank for credit reporting. Timely repayment can save your credit.

2. Through the credit reporting center channel, directly enter the credit reporting center to obtain a personal credit reporting report. The overdue records of credit cards/loans will be displayed on the credit reporting report, and the overdue records of each card can be found. Time, overdue amount, etc. is also a relatively intuitive method.

Application

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in mainland China) and with certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. [9]

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

This ends the introduction on how to check whether a credit card is overdue and how to check whether a credit card is overdue. Have you found the information you need?