1. Will a one-day overdue payment on a CCB credit card affect the credit?

One day overdue on a CCB credit card will not have any credit impact on the cardholder. CCB has a repayment grace period service, which is usually a 3-day grace period. For China Construction Bank credit card holders, repayments within the grace period are not considered overdue. Naturally, the cardholder's repayment within the grace period will not affect the cardholder's credit record. Expansion material 1. What impact is expected from China Construction Bank's credit card? 1. According to China Construction Bank's repayment standards, as long as the repayment is received within 3 days after the due payment date, it is still considered to be repaid on time. If the minimum repayment amount is paid during this period, no late payment fees will be incurred. However, if you only pay the minimum repayment, interest will be charged on the full amount of 50,000 per day from the date of entry into the account. 2. However, if the user successfully applies for a China Construction Bank credit card and uses it, he must repay it in time. In order to avoid overdue repayment, it will affect the cardholder's personal credit report. It should be noted that during the grace period, the repayment should be made through China Construction Bank as much as possible. If the repayment is made through a third party or another bank, it may be overdue due to the long arrival time. 2. How many days should a CCB credit card be overdue? 1. If a CCB credit card is overdue for more than 3 days, it will be reported to the credit reporting center. 2. China Construction Bank provides its credit card users with a repayment grace period of up to three days. As long as the cardholder pays off the current debt within the repayment grace period, China Construction Bank will not upload the overdue record. to the credit reporting center. On the contrary, if the debt is not paid off within the repayment grace period, China Construction Bank will not only upload the overdue records to the credit reference center, but also impose penalty interest on the overdue portion. 3. How the bank handles credit card overdue 1. Consumption payments no longer enjoy the interest-free repayment treatment. The card-issuing bank will calculate interest on a daily basis based on the consumption amount as the principal, starting from the accounting date. The daily interest rate is 5/10,000, and compound interest is charged on a monthly basis. For the unpaid portion of the minimum repayment amount, a late payment fee of 5% will be charged on a monthly basis. 2. Receive reminder calls and reminder letters from the card-issuing bank. 3. If the credit card account is frozen by the card-issuing bank, the debt record may be fed back to the personal credit reporting system of the People's Bank of China, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for loans regularly. 4. Can CCB negotiate to reduce the penalty for overdue credit cards? If the user's credit card is overdue due to special reasons, such as unemployment, major illness, sudden disability, etc., the bank has confirmed that the credit card is overdue due to these circumstances. After the fact, we will agree to reduce the liquidated damages to the user. If the user is overdue due to insufficient repayment ability, the bank will not agree to negotiate in this case.

2. Will the credit report be affected if one day of overdue repayment on a CCB credit card is made?

No.

The reasons are as follows:

The bank credit reporting system is only an objective record of personal credit history. Banks have a grace period of about 3 days for credit card users. The payment is not considered overdue.

If a credit card is overdue for 3 consecutive times, a total of 6 times or does not repay for a long time, a bad record will be left in the credit report. The bad credit record will be kept for 5 years. After 5 years, a new credit record will be added. Will it gradually replace the original negative, or travel by plane or high-speed rail? Relevant units will indeed check the personal credit report during approval. If the credit of the person concerned is found to be "stained", it may be rejected.

Expansion

The "Personal Credit Report" includes citizens' credit information in the credit reporting system, public account information and detailed records of inquiries in the past two years; remind citizens Loans and credit card overdue records within 5 years of credit reporting. When applying for a loan or credit card from a bank, most banks will also look at the "personal credit report" before considering whether to approve the loan and issue the card.

The China Banking and Insurance Regulatory Commission reminds that if a credit card is in arrears or annual fees are in arrears, interest costs will be incurred and personal credit may also be affected. When purchasing a credit card, you should fully understand the credit note date, annual fee/liquidated penalty charges and interest rates. Credit card installment repayment and minimum repayment methods can temporarily relieve the pressure, but they will also incur corresponding fees and interest. Consumers should choose credit card installment repayment or minimum repayment methods reasonably to avoid credit card loans.