1, clever use of time tolerance
Most banks provide time tolerance service for cardholders, and the time tolerance is usually 3 days. In other words, repayment within 3 days after the repayment date cannot be considered overdue, so it is not on credit. But individual banks don't, such as ICBC. Other banks need to take the initiative to apply.
2, the use of credit time is different.
The time for banks to report credit information to the central bank is generally once a month, and it will not be reported immediately after the deadline. This time difference can be used to save money. For example, China Bank, Shanghai Pudong Development Bank and China Guangfa Bank all received credit information on the next billing day.
Step 3 take remedial measures
After discovering overdue, we must take remedial measures to avoid credit reporting. The first thing is to pay back the arrears immediately. It's best to transfer the repayment with a peer's savings card, and then contact customer service to explain that it is not the reason for malicious overdue.
4. Appropriate objection application
If your credit card is overdue due to legitimate reasons or evidence, and the bank ignores your negotiation, you can apply to the central bank's credit information center for objection handling, and the overdue record can be revoked after the application is passed.
5. Use record coverage
If the overdue record has been recorded in the credit report and the objection application fails, don't cancel the card. Credit cards only look at the card use records in the last two years and display them in a scrolling way. If the card is used continuously and well, the bad record can be covered.
The above are the remedial measures for overdue credit reporting of credit cards. Although these methods may not be 100% successful, you can still do your best. Don't believe that some advertisements whitewashed by credit information are liars. Of course, in fact, the best way is to plan ahead and repay in time.