1. How long does it take for a credit card to be overdue to be blacklisted?

1. As long as it is overdue for more than 90 days, it is generally a blacklist. This is the case for most banks. standard.

2. Under normal circumstances, if a personal credit card bill is overdue, the bank will collect the debt from the debtor in accordance with relevant regulations in the first three months.

3. If collection is successful within these three months. Then the bank will not take the next step of collection action. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for 3 months and fails to collect the credit card, the bank can take legal proceedings.

2. How long does it take to restore credit after a credit card is overdue?

It takes 5 years to restore credit after a credit card is overdue.

1. If a credit card is overdue during repayment, after the cardholder pays off the overdue balance, the overdue record on the credit report will generally remain for at least five years. deleted by the system. In other words, the sooner the customer pays off the debt, the sooner the overdue records have a chance to be deleted. It is precisely because bad credit records such as overdue credit records are usually retained for five years, so they will have a serious impact on personal credit. If the customer applies for credit business later, he or she will most likely be rejected due to the overdue bad record on the credit report, so it will be difficult for the customer to successfully apply for credit in the short term.

2. Customers are advised to maintain good repayment behavior, remember to repay on time, and try to avoid overdue situations. If you are worried about not being able to pay it off in full and on time, then minimum payment or bill installment will do. If the minimum repayment amount on the bill is not paid before the repayment date (inclusive), as long as the card-issuing bank provides a repayment grace period, then repaying the minimum repayment amount on the bill within the subsequent grace period will also be regarded as repayment on time. , will not be considered overdue.

3. If your credit card is overdue, you should pay off the balance in time, proactively explain the situation to the bank, and keep the account status normal. Cardholders must not cancel their credit cards because they are overdue. If they cancel the card, they will lose the opportunity to repair their credit. After the expiration date, they should continue to use the credit card normally and spend more. They must repay on time, maintain a good credit record, and use new credit cards. The records overwrite the overdue records. Don’t lose contact after the due date, and don’t let the bank think that the cardholder is maliciously overdrafting or owing money, otherwise you may be sued by the bank. Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank.

Generally speaking, if the overdue credit card is not malicious, that is, the number of overdue days is not long and the overdue amount is not large, the credit card will generally be restored immediately after the overdue balance is settled. If the overdue period is longer, such as more than 3 months, or the overdue amount is large, the bank will think that the user is suspected of maliciously overdue. Even if the debt is settled, the credit card recovery time is unknown. After the user's credit card expires, he must repay it as soon as possible, on the one hand to avoid affecting his personal credit, and on the other hand to ensure that the credit card can continue to be used in the future.