According to the Management Measures for Credit Card Business issued by China People's Bank 1996, credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend credit cards and their accounts. Therefore, it is illegal to lend a credit card to others. If the cardholder insists on lending, all consequences arising from renting, transferring or lending the credit card shall be borne by the cardholder himself.
What we can see immediately when the credit card is overdue is the impact on credit reporting and a series of consequences. But in fact, overdue is far from as terrible as we thought, and overdue credit reporting is not as fast as we thought.
Of course, this is not to encourage everyone to be overdue, but to tell everyone how to treat overdue and how to solve it. If the method is proper, you can even avoid the trouble of credit reporting.
Extended data
I. Time tolerance
Generally speaking, the bank provides credit card repayment time and tolerance service: if the cardholder owes less than 10 yuan within 3 days, it will be regarded as timely repayment, and the bank needs to remind him 3 days before the due repayment date of the credit card. In other words, within 3 days after the repayment date, call the customer service center of the issuing bank in time, apply for timing service, and repay in full, so that the credit will not be reported.
It should be noted that the Convention is not mandatory, but only advocates that banks provide time tolerance services for credit card holders, and there is no mandatory provision. Therefore, banks have different standards in the implementation of time tolerance. For example, if the greatest love in the universe persists, there will be no grace period.
The policies of different banks are different. Please refer to the following:
1. Industrial Bank: The tolerance amount is only a penalty interest on the unpaid part, and there is no tolerance period.
2. Bank of China: the tolerance amount is 65438+ 0% of the bill amount, and the tolerance period is 3 natural days for ordinary cards and 9 natural days for platinum cards.
3. China Construction Bank: There is no tolerance amount, and the tolerance period is 3 natural days. You need to take the initiative to call to apply.
4. Agricultural Bank of China: tolerance amount of general card 100 yuan, 200 yuan for gold card and platinum card, and the tolerance period is 2 natural days.
5. Bank of Communications: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.
6. China Merchants Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.
7. Guangfa Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.
8. Industrial Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.
9. CITIC Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days. You need to call customer service to apply.
10. Minsheng bank: the tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.
1 1. China everbright bank: the maximum tolerance amount is 100 RMB or USD 20, and the tolerance period is 3 natural days, so you need to apply by telephone.
12. Shanghai Pudong Development Bank: The tolerance amount is RMB 10 yuan or USD 2, and the tolerance period is before 22: 00 three natural days after the repayment date.
13. ping an bank: the tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.
14. Huaxia Bank: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.
15. HSBC: The tolerance amount is RMB 10 yuan or equivalent foreign currency, and the tolerance period is 3 natural days.
Second, the time of credit investigation.
When the credit card is overdue, the time for each bank to report to the central bank for credit information is different, as follows:
1. If the repayment is exceeded, Hitachi will immediately report the credit:
Industrial and Commercial Bank of China
2. Only after the grace period:
Agricultural Bank, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Minsheng Bank and China Everbright Bank.
3. Credit information will only be received on the next billing date:
China Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Huaxia Bank and Ping An Bank.
Third, remedial measures.
Since each bank's credit reporting time is different, if it is accidentally overdue, it can be remedied as soon as possible.
1. Repay in full immediately.
In order to ensure the arrival time, it is best to use the debit card of the same bank, and try not to repay through third parties such as interbank or Alipay.
2. Contact customer service to communicate
Explain that the non-subjective malicious breach of contract, due to objective reasons of XX, has not yet repaid, but just repaid.
Fourth, common causes.
1. Banking problems
Inter-bank system settlement problems, bank transfer transaction system problems, banks not sending bills or text messages, network and telecom operators not receiving bills, signing automatic repayment without deduction, etc.
Obviously, I didn't see the text message of the bank statement, so I have to say that the operator didn't receive the text message because of network problems, you know.
2. Force majeure
For example, you are temporarily sent away by the company for business trip or going abroad, for example, the local telecommunication cable is cut off, for example, the network equipment is damaged by a typhoon.
Touch others with emotion
For example, I accidentally fell, lost my mobile phone and was bitten by a dog. To sum up, the central idea is to treat it emotionally. There are objective reasons for overdue, not my subjective default, so we must pay attention to it.
Step 4 lure it to benefit
Discuss with the customer service, if you don't report the overdue facts to the credit or cash withdrawal, then you are willing to pay the protection fee in installments and so on.
Even if the penalty interest is paid, the bad credit record is more worthy of our attention than the penalty interest.
Verb (abbreviation of verb) opposes the application.
If all the above methods are irretrievable, and you have other legitimate reasons or evidence, you can apply to the credit information center for objection, and the central bank will decide whether you are really overdue.
News report of intransitive verbs
If the credit report is overdue and the objection application fails, it will take 5 years to eliminate it. Remember not to cancel the card in the meantime. If you cancel the card, the bad record will stay for a long time.
After paying off the debt, you should stick to using the card for 2 years, keep a good habit of using the card, and cancel the original bad records with new records (usually applying for loans, credit cards, etc.). Just look at the records of the last two years).
Seven, beware of being cheated.
You can often see some "white-washed" advertisements, so don't waste money.
Eight, nip in the bud
At any time, it is easier to take precautions than to deal with them afterwards, so the best way is not to overdue.