Overdue bank credit card: 1. Quick remedy for overdue loans. If you encounter an overdue loan, you should call the bank service hotline immediately to indicate that the debt is not malicious and pay the loan immediately. Under normal circumstances, financial institutions have a 3-day grace period. Once a cardholder discovers that his loan is overdue, he must resolve it immediately to avoid leaving a bad credit record.

What to do if your credit card is overdue

2. How to deal with bad credit records: (1) If the cardholder has already left a bad credit record in the institution, he must pay the loan back and explain the reasons. Finally, don't be in a hurry to close your account. Once you close your account, you will no longer be able to update your personal credit record. In this case, your bad credit record will always be recorded in the institution, causing consequences. (2) The best way is to use this credit card normally and maintain a good personal credit record for at least 2 years. Basically, it will not have any impact on personal housing loans, borrowings, credit card processing and other services. (3) At this stage, the retention period of personal credit records in my country is 5 years. (4) In actual use, there is no need to hope that overdue loans will be remedied or bad credit records will be cleared, or that credit cards will be swiped objectively and down-to-earth. Developing good credit card and loan repayment habits, repaying loans immediately and not overdue are the prerequisites for ensuring a good personal credit record.