yes. If the principal is repaid and the interest is not repaid, it means that it has not been repaid, which is not the same as the principal. If the credit card repayment refuses to repay the interest after the principal has been repaid, it will be seriously overdue for more than three months. If it is overdue for more than three months or the bank has made more than two reminders, the bank will freeze the personal card and list it as a prohibited customer (black name list). At the same time, it may also sue for credit card fraud and malicious overdraft and apply to the court for compulsory execution.
: Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can make repayment on the Billing Date. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card. The application method is generally by filling in a credit card application form, which generally includes the name, basic information, economic situation or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph. After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual. Usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them. Won't the bank interest be reported to the credit bureau?
As long as the interest is not repaid on time, it will be directly reported to the credit bureau once it is overdue. And when someone's interest is overdue, it will be regarded as malicious overdue.
"continuous three" means that the interest is overdue for three consecutive months, and "accumulated six" means that the accumulated interest is overdue for six months. In general, "three times in a row and six times in a row" will be regarded as malicious arrears. If you have special reasons for "three times in a row and six times in a row", you can take the initiative to explain the situation to the bank and negotiate with it, which may lead to the withdrawal of bad credit records.
Extended information:
What is the name of paying the principal first and then the interest?
The repayment method of paying the principal first and then the interest is called "interest first". Of course, there are few such repayment methods in loans, and most of them are "interest first and then the principal", that is, interest is paid first and then the principal is paid. There is also average capital, which repays the same amount of principal and the interest generated by the remaining loans this month (generally less and less); As well as the matching principal and interest, the monthly repayment amount (including principal and interest) is the same.
in addition, there is a one-time repayment of principal and interest when due, that is, all principal and interest will be repaid at one time on the last repayment date. However, customers choose different repayment methods because of different loan business types. For example, the repayment method generally chosen for mortgage is equal principal and interest or average capital.
and you need to note that once the repayment method of the loan is determined, it will be difficult to make changes within the loan term. I suggest that you carefully consider it when handling it and choose the appropriate repayment method according to your repayment ability. Repaying the principal once every six months, but didn't it still affect the credit investigation?
Yes. Users only return the loan principal without interest. Lending institutions that fail to repay in full will still regard the users as overdue, and overdue records will be generated, which will affect personal credit information. Unless the loan is interest-free, or the interest is reduced later, the user must return the loan principal and interest when repaying the loan. Failure to return interest will result in overdue records and overdue penalty interest.
Therefore, users should pay attention to full repayment when making repayment. If there is no full repayment, please make up the repayment amount on the repayment date or within the grace period.