as long as it is overdue, it will definitely be recorded in the personal credit file, which will have an impact on a series of loans such as mortgage and car loan. Of course, it also depends on the circumstances. For example, when the fee is automatically deducted, the balance on the card is insufficient, and a small amount of debt has not been paid back. As long as it is found within a certain period of time and paid back quickly, it is not necessary to fill in the credit record after applying with the bank.

what should I do if there are some large overdue payments, such as the wrong repayment date?

If a large amount of overdue occurs, negative records will still exist in your personal credit report after it is paid off. If you want to eliminate this record, you only have time. You need to repay it on time for two years to cover this record. If you need to apply for loans and other businesses during this period, it will have some impact, but you can submit the reasons for overdue to the bank and prove your repayment ability. This is still promising.

there is another situation that everyone must pay attention to, that is, don't cancel the card after it is overdue! Overdue records do not exist with the existence of credit cards. Simply put, overdue records will exist in everyone's credit files. Even if the card is cancelled after being paid off, this record will not disappear. Not only will it not disappear, but once the card is cancelled and there is no subsequent use record, this bad credit record will always exist in everyone's files and there is no way to erase it, even after two years.

main features of credit cards

cash is not allowed to be pre-deposited, and it can be repaid after consumption, with an interest-free repayment period, and it can be repaid by installments (with the minimum repayment amount), and it can be used worldwide by joining international credit card organizations such as VISA, Master Card and JCB.

is one of the fastest-growing financial services today, and it is an electronic currency that can replace the traditional cash circulation in a certain range.

it has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards.

is a high-tech product integrating financial business and computer technology.

it can reduce the use of cash currency.

it can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security.

It can simplify the collection procedures and save social labor.

it can promote commodity sales and stimulate social demand.

credit card repayment method

within the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

Micro-banking POS mobile phone Micro-banking POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

repayment by transfer/remittance is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

The common online platforms for online repayment in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

Convenience Store Repayment This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

Counter-to-counter repayment refers to bank cards issued by networked financial institutions, which are used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

the "xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center, and supported by financial services provided by the inter-bank information exchange network of China unionpay.

Repayment Pass uses "Repayment Pass" for repayment, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local People's Bank.

in addition to the above-mentioned methods, the issuing bank has also opened its own repayment methods for the convenience of cardholders.