Detailed description:
1. Credit card overdue records have an important impact on personal credit rating. As one of the major commercial banks in China, Bank of China has clear regulations on overdue processing of credit cards.
2. When the credit card holder of China Bank fails to repay the loan for more than 30 days, the bank will report the record to the credit information system, which will have an impact on the credit rating of the user.
3. The overdue behavior shows that the user fails to repay the loan according to the agreed time, which may mean that the user's economic situation is poor or irresponsible, thus warning the bank of credit risk.
4. Overdue records will remain in the credit information system, which may have a negative impact on users' future use of credit products, such as loans and handling other credit cards.
5. Accumulated overdue records will have a long-term impact on users' credit rating, reduce users' credit rating and further limit users' credit value in the financial field.
Summary:
China Bank's credit card is overdue for more than 30 days, which will affect users' personal credit rating. Overdue records will be reported to the credit information system and kept for a long time, which may affect the future credit value of users and their ability to obtain financial products.
Extended data:
The personal credit information system is established and managed by the People's Bank of China, which is used to record personal credit information and evaluate personal credit status and credit risk. Overdue repayment is regarded as a bad credit behavior, and financial institutions such as banks will refer to personal credit records to decide whether to provide credit products such as loans to users.
Please note that the above answers are only based on the policies and general credit management principles of Bank of China, and the specific situation may be different due to personal credit history and loan amount. For specific questions, please consult the Credit Card Department of Bank of China or refer to relevant laws and policies.