Credit card overdue for one week will be reported at the meeting.
At present, most banks have a grace period for credit card holders to repay. As long as the cardholder repays within the grace period, the issuing bank will not upload the bad records to the credit information system. Once the credit card holder is still unable to repay or overdue for one week within the grace period, the issuing bank will upload the overdue repayment record of the credit card holder to the central bank for credit investigation.
If the cardholder is overdue, he needs to continue to use the credit card, and then let the subsequent good use record overwrite the previous overdue record. For overdue cardholders, continue to use them, and make use records during the period. It takes five years to eliminate overdue credit records of credit cards.
According to the standards of the issuing bank, repayment within the grace period will be regarded as timely repayment, and there is no need to worry about credit damage. However, if the repayment cannot be made within the grace period, it will be considered overdue, which will affect the cardholder's personal credit information. Once the overdue days exceed the grace period, the cardholder will still be charged with overdue penalty interest, and the issuing bank will charge interest fees from the billing date.
Is the credit card overdue for 7 days serious?
Nothing serious. The credit card is overdue for 7 days, which is a short-term overdue. At this time, as long as the user pays off the overdue debt as soon as possible, the negative impact caused by overdue can be controlled. The longer the overdue time, the greater the negative impact of overdue. If it is overdue for three times in a row or six times in total, it will form a credit stain, which will make it impossible to apply for any credit business in the future.
Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Second, according to the relevant laws of our country (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards), credit cards refer to electronic payment cards issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, The Standard of English Translation and Writing in Public Service Field was formally implemented.
3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has 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 according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Four. app; application
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Five, the application method is generally by filling in the credit card application form, the contents of the application form generally include the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
Six, the application form is attached with a credit card contract, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a statement of the authenticity of the information and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Excuse me, why is the credit card overdue for 7 days?
1, the credit card is overdue for 7 days, exceeding the repayment grace period. The bank accountant collects overdue penalty interest by phone or SMS, but it is not enough to pay the bill. If the cardholder doesn't want to bear the more serious overdue consequences, he must immediately repay in full, and take the initiative to contact the bank to explain that he is not maliciously overdue, and ask not to report the overdue record to the central bank.
2. After the credit card is overdue, don't cancel it immediately even if you pay off the debt. It is best to continue to use the card, maintain a good behavior of using the card and accumulate a new good credit record.