1. Is it true that the customer service said that the credit card was overdue for 5 days and it was fine?

According to the general point of view of my country’s commercial banks, commercial banks have limited credit card business. When the repayment date comes, it’s not a big problem to be slightly overdue for a few working days. Many commercial banks have set up business services with time tolerance for credit card repayments.

For example, some banks, including China Construction Bank, China Bank of Communications, etc., will report to the credit reporting system that your credit card is overdue and has not been repaid until the next repayment date. So if your credit card is overdue for 5 days and the bank customer service tells you that it’s okay, it’s not a big problem.

2. What to do if your credit card is overdue

1. When our credit card is overdue, the first and most important thing to do is to take the initiative to explain the situation to the bank. And all overdue bank balances must be paid off as soon as possible. Only in this way can you ensure that the status of your credit card account is normal, and you can also minimize the negative impact caused by an overdue credit card.

2. When a credit card is overdue and has been negotiated with the bank, we must ensure that the credit card account we hold is in normal use. Do not intentionally cancel your credit card account because it is overdue. This behavior may cause you to lose the opportunity to repair your credit.

3. The most taboo thing after a credit card is overdue is to disappear. This behavior will only be judged by the bank as malicious overdue behavior, and it is a very serious credit card overdue behavior in law. The bank reserves the right to further file a lawsuit in court, and you may also bear civil or criminal liability.

3. How to avoid overdue credit cards

Many people in today's society are using credit cards. Overdue credit cards often bring many problems to our normal life, study and work. Troubled, so today I will give you three suggestions.

1. Note the repayment date on the calendar. When using a credit card, be sure to find various ways to avoid forgetting the repayment date. You can repay in advance but not on the day of repayment. Just remembered.

2. Take early warning measures in advance. When you realize that you may not be able to repay the loan normally on the next repayment date, you must take early warning measures. You can seek help from your family or contact your bank. You must not delay the next repayment date.

3. Use credit cards rationally to make purchases in advance. When using credit cards to make purchases, you must make reasonable plans. Never make large purchases in advance to avoid not being able to pay in the future.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.