You can check your personal credit report to see if your credit card is overdue. Your credit card usage is recorded in the credit report. If it is overdue, you can definitely find out whether it is overdue. If it is not, it means there is nothing wrong with your credit.

overdue repayment by credit card refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumed money is not deposited into the designated account in full and on time. Late repayment of credit cards will affect the credit history of cardholders.

At the same time, banks will charge a certain amount of interest for overdue repayment, which is generally five ten thousandths of interest, and the starting date of interest is calculated from the date of consumption.

in addition, if the credit card holder chooses the minimum repayment method or uses the card beyond the credit limit approved by the issuing bank, he/she will no longer enjoy the interest-free repayment period, and shall pay the overdraft interest calculated at the specified interest rate for the unpaid part from the bank bookkeeping date.

Extended information:

According to the Regulations on the Administration of Credit Information Industry:

Article 13

Personal information shall be collected with the consent of the information subject, and shall not be collected without his consent. However, information disclosed in accordance with laws and administrative regulations is excluded.

the information of directors, supervisors and senior managers of an enterprise related to their performance of their duties is not regarded as personal information.

Article 14

It is forbidden for credit reporting agencies to collect personal information about religious beliefs, genes, fingerprints, blood types, diseases and medical history, and other personal information prohibited by laws and administrative regulations.

credit reporting agencies are not allowed to collect information about personal income, deposits, securities, commercial insurance, real estate and tax amount. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing the information and obtains its written consent.

article 15

when an information provider provides personal bad information to a credit reporting agency, it shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.

Article 16

The retention period of personal bad information by credit reporting institutions is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted.

within the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it.

Article 17

Information subjects may inquire their own information from credit reporting agencies. The subject of personal information has the right to obtain my credit report twice a year for free.

article 18

when inquiring about personal information from a credit reporting agency, the written consent of the information subject shall be obtained and the use shall be agreed. However, unless the law stipulates that it can be inquired without consent.

credit reporting agencies shall not provide personal information in violation of the provisions of the preceding paragraph.

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