1. How long a credit card is considered overdue

How long a credit card is considered overdue depends on the credit card’s repayment grace period. Generally, major banks have a grace period of three days for credit card repayment. If the user pays off the balance three days after the repayment date, it will not be considered overdue if the payment is on time. However, if the user fails to pay off the balance beyond the repayment date and grace period, the credit card will be considered overdue.

If the credit card has not been collected for three months, it will be considered overdue. However, if the bank successfully collects the credit card within three months, it will not proceed with the next step of collection. In addition, if the bank collects debts within three months and the user still fails to pay, the bank may initiate legal proceedings in accordance with legal provisions.

2. How long does it take for a credit card to be blacklisted if it is overdue?

If your credit card is overdue for more than 90 days, it may be blacklisted by the bank. Users who are overdue for more than 90 days will be blacklisted. Being classified as a black account is the standard for most banks to classify a person as a black account.

Normally, if a personal credit card is overdue, the bank will make a call on the cardholder in accordance with relevant regulations in the first three months.

After the credit card is overdue, the overdue record will be recorded in the personal credit, and a bad credit record will affect the cardholder's loan and credit card application, so be sure to repay on time to avoid obstacles to using the card after overdue.

3. How to remedy an overdue credit card

If your credit card has been overdue for a short period of time and you have had a good card usage record before, you can repay it in full and contact the bank’s customer service to declare that you are not. If you are maliciously overdue, explain the reason for the overdue to the bank, and ask the bank not to upload the credit information to the People's Bank of China, so that it will not affect the user's personal credit record. If the user has been using the card in good condition, the bank will generally agree to the user's application.

If the credit card is overdue for a long time, it is recommended that the user contact the bank and repay it immediately. If the overdue bad record has not been uploaded to the People's Bank of China's credit system, the user can call the bank to explain the reason and cooperate with The bank actively pays off the debt, so that the bank will generally help you eliminate your personal bad credit record.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.