After the credit card is overdue, the credit report will divide the cardholder's overdue situation into 1~7 grades according to time. For example, the mark 1 indicates that the overdue time is within 1~30 days, the mark 2 indicates that the overdue time is within 3 1~60 days and the mark 3 indicates that the overdue time is within 6 1~90 days; Mark 4 indicates that the overdue time is within 9 1~ 120 days, and so on.
For banks, it is acceptable as long as the overdue time does not exceed 90 days. This situation is widespread. Paying off the arrears immediately after the deadline will not have much impact and will not be blacklisted. If the overdue time exceeds 90 days, it is seriously overdue, especially after three times, and the blacklist of banks cannot escape.
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Consequences of overdue credit cards
Once the overdue bad records are displayed, as long as it involves the business of credit investigation, it cannot be handled. The credit card is overdue for three consecutive times or six times in total, which is a serious overdue. If it is overdue for more than 90 days, it is also serious. If you apply for credit card, mortgage, car loan, etc. You will basically be rejected. However, if the overdue time is not long and a good repayment record is maintained after handling the arrears, then the credit investigation can also be mentioned, which will not have much impact on the application for loans and credit cards.
The most serious thing is to refuse to repay for a long time and refuse to negotiate. Then you will be blacklisted first, and if you still fail to perform after the expiration, you will be restricted from traveling and cannot take public transportation. In serious cases, they will be prosecuted, enforced or detained. In short, the longer the overdue period, the greater the impact. Personal credit report will have more and more influence on life, so it is suggested to take remedial measures as soon as possible to reduce the influence on credit report.