Forgetting to repay a credit card for 4 days overdue is considered an overdue payment on a credit card. Banks will often report the overdue record of the credit card to the credit report after the cardholder is overdue. In this case, it is first recommended that the user repay the overdue credit card bill as soon as possible to avoid more overdue interest and more serious consequences due to the extension of the overdue time. After all, the bank will issue a credit card if it is overdue for 3 months. Sue to court; secondly, if there are special circumstances, such as an overdue credit card due to illness or unemployment, you can prepare relevant supporting documents to explain to the bank, thereby requesting the bank to withdraw the overdue record on the credit report, and explain to the bank that you are not maliciously overdue. If you are unable to repay, you can apply to the bank for delayed repayment and interest discounts.

In short, if you forget to pay off your credit card and are overdue for 4 days, the first thing you need to do is to pay off your credit card bill as soon as possible, and then you must try your best to maintain a good repayment record when using your credit card.

1. Continue to use this card after paying off the outstanding balance. Because generally after expiration, bad records will be left in the credit system, and you need to continue to use this card to overwrite the bad records with new normal records.

2. Do not allow new overdue records to appear. If you keep a good usage record after being overdue once, the bank will also consider you a trustworthy person when applying for credit. If you are overdue multiple times, it will be difficult to successfully apply for credit.

3. When you have no money to repay, you should take the initiative to contact the bank for negotiation. There are many people who temporarily pay off their debts due to various reasons, and they keep putting it off without knowing how to deal with it. In the end, not only will they accrue a lot of interest, but in serious cases they may even be sued.

1. Will a credit card that is 4 days overdue be reported to the credit system?

A credit card that is 4 days overdue will generally be uploaded to the credit system. Because most banks now provide cardholders with a repayment grace period of only three days, and some even have no repayment grace period. According to regulations, as long as the repayment exceeds the repayment grace period, an overdue record will basically be generated and recorded in in the credit system.

However, the grace period of some banks is more than four days. If you apply for a credit card from such a bank, it will not affect your credit. If the cardholder does not know the specific rules of the card-issuing bank, he can directly Contact customer service for related matters.

2. What is the interest rate for a credit card that is overdue for 4 days?

After a credit card is overdue, the interest is usually paid at a rate of 50,000 per day, and compound interest is calculated monthly. The basis for interest calculation is the entire principal owed, and if it is not four days overdue, only four days of interest will be calculated. This interest is calculated from the second day after the consumption is recorded.

For example, if you owe 10,000 yuan and it is 4 days overdue, and the previous interest-free period was 20 days, the interest generated is 10,000 times 0.05 times 24 = 120 yuan. Therefore, you must pay off the debt as soon as possible after it is overdue. After all, if you do not pay it off for one day, interest will continue to accumulate and increase your repayment pressure.

Legal Basis

"Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Obstructing Credit Card Management"

Article 6: If the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return the card for more than three months after two effective collections by the issuing bank, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. .

For the purpose of illegal possession, the cardholder’s credit record, repayment ability and willingness, the status of applying for and overdrafting the credit card, the purpose of the overdraft funds, the performance after the overdraft, and failure to comply with regulations should be considered. The reasons for repayment and other circumstances shall be judged. The purpose of illegal possession shall not be determined solely based on the fact that the cardholder failed to repay the loan as required.

If any of the following circumstances occurs, it shall be deemed as “illegal possession for the purpose” as stipulated in the second paragraph of Article 196 of the Criminal Law, but there is evidence to prove that the cardholder does not possess illegal possession. Exceptions for purposes:

(1) Overdrafts that cannot be returned due to large amounts of money knowing that one has no ability to repay;

(2) Overdrafts that cannot be returned after applying for a credit card using false credit certificates ;

(3) After overdraft, evade bank collection by hiding, changing contact information, etc.;

(4) Escape, transfer funds, hide property, and evade repayment;

(5) Using overdraft funds to carry out criminal activities;

(6) Other situations of illegally possessing funds and refusing to return them.