Overdue in this period means that the bill was issued last month and has not been paid back in the latest repayment period or the minimum repayment amount has not been reached, which belongs to overdue in this period! Continuous overdue refers to the minimum repayment amount of unpaid bills for more than two months in a row, which belongs to cumulative overdue. Cumulative overdue is the sum of the overdue times of your bill in the current period.
The approval of provident fund loans in various places will be measured by bank credit information. If you step on the following minefield, the road to approval will light up with a red light:
1. Accumulated overdue records exceed 6 times in five years;
2. There are three consecutive overdue records in the past five years;
3. In the past two years, the accumulated overdue records have exceeded 3 times but not exceeded 6 times.
In the past two years, if the loan applicant has been overdue for more than three consecutive periods or accumulated six times, his loan application will not be accepted in principle.
The overdue record is due to the annual credit card fee, which can be calculated without counting the overdue period.
How to calculate the number of overdue days of credit card?
The number of overdue credit cards is in months. If the cardholder has a record of overdue, on the next final repayment date, if the arrears are not paid off in time, the bank will record the second overdue, and so on. If the outstanding principal is not returned for more than 90 consecutive days, the bank will collect it and sue the cardholder if necessary.
1, Time Tolerance is overdue.
According to the requirements of the People's Bank of China, commercial banks must truthfully report the overdue status of customers' credit card accounts to the credit information system of the People's Bank of China, and report the overdue due to customers' own reasons, regardless of the amount. However, most banks still provide "time-sensitive" services for credit cards in a humanized way. As long as the overdue days are within the grace period of the bank, or the overdue amount is within the tolerance of 10 yuan, the overdue will not be recorded and interest will not be generated.
Once the cardholder's credit card is overdue, it is not within the scope of "time tolerance". As soon as the deadline arrives, a credit card overdue record will be generated. Card friends should note that the "time tolerance" service provided by each bank is different. For example, ICBC has no time service, so cardholders still can't rely entirely on this grace period.
Extended data:
Clear method of overdue records:
1, short-term overdue, take the initiative to contact the bank after making up the arrears; Not all overdue records will be immediately displayed in the personal credit report. Some banks will have a few days' tolerance, while others will report overdue records to the central bank's credit information center next month, so you should contact the defaulting bank as soon as possible after discovering overdue, and try to solve the problem before reporting.
2. If the overdue time is more than 90 days, pay off the arrears and maintain good credit habits: if the overdue time is long, report to the credit bureau, and remember to pay off the default interest in addition to paying off the arrears. In addition, don't return the card immediately, and continue to maintain good consumption habits. After 5 years, bad records will be automatically eliminated. Except for mortgages, most loans only refer to credit records within two years.
3. Unexpected overdue requires the bank to issue a "non-malicious overdue certificate": banks are also human beings. If you are overdue due to unemployment, illness, going abroad, etc. Take the initiative to contact the bank, explain your actual situation and issue a "non-malicious overdue certificate", and the loan can still be settled.
4. If it is overdue, submit an "objection application": Many people's overdue credit reports are not caused by themselves, but may be caused by "fake loans". Contact the bank to explain the situation, and then submit an objection application to the local China People's Bank Credit Information Center. Generally, such bad overdue records can be eliminated within 15 working days.
How to calculate the overdue times of ICBC credit cards?
Industrial and Commercial Bank of China
credit card
Exceed the time limit
frequency
Divided into three situations:
1, which is overdue at present.
periodicity
, cumulative overdue times and maximum overdue period. Among them, the number of overdue periods in the current period refers to the continuous non-repayment in the current period.
Minimum repayment amount
or
loan
contract provision
a sum of money
Number of times, such as
cardholder
If there is no repayment for five consecutive months, then the current number of overdue periods is 5;
2. The cumulative overdue times are cumulative, that is, as long as the cardholder is overdue once, it will be accumulated once;
3. The maximum overdue times is the historical maximum of the current overdue times. For example, if the cardholder of 1- 10 is currently overdue for 5 times, then the maximum overdue number is 5 times.
Calculation method of overdue times of personal credit information
The overdue time is calculated on a monthly basis. If there is a single loans overdue in the current month, the overdue times in the credit investigation are 1. If the user fails to repay the loan within the time limit in the next month, the number of overdue times will be changed to 2 times. Since most loans are repaid on a monthly basis, the number of overdue loans is basically calculated on a monthly basis. Of course, for users, the less overdue the better, the better not.
According to the credit report:
(1) 60 days overdue is counted as personal credit;
(2) Overdue for 90 days is counted as bad personal credit information;
(3) Two or more times overdue are included in personal credit information.
note:
Chapter III and Article 16 of the Regulations on the Administration of Credit Information Industry
① The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or event; More than 5 years, should be deleted.
(2) During the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it. If it is not paid off, the bad record can be traced back once and then back to five years or forever.
Overdue, that is, overdue, means that when you sign a repayment contract with the bank, you still haven't repaid in full by the repayment date to the deadline. It is particularly important to note that the following cases will be recorded in the personal credit report if they are overdue:
1, one or two days later than the due repayment date;
2. After the due repayment date, the customer pays off the debt after the bank staff makes a dunning;
3. The customer has repaid the loan before the due repayment date, but because he is not clear about the specific amount to be repaid, he has not repaid it in full.
The consequences of loans overdue's credit investigation are as follows:
1, it will be more difficult to apply for a loan or credit card again: because one of the examination conditions for applying for a credit card or loan is whether there is an overdue record of credit information, which will inevitably affect the subsequent loan or credit card application;
2. Being sued: overdue loans have not been repaid after credit investigation, and overdue for more than 90 days will be regarded as malicious overdue, which may be brought to court by the borrowing institution, and may be imprisoned if the circumstances are serious;
3. Travel restrictions: If loans overdue fails to return it, he will be restricted to take the high-speed train, which will also affect his children's schooling.
Article 16 of the Regulations on Credit Management
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.