Everyone knows that there will be a credit citation for overdue credit cards. However, because there is a "time tolerance" service, a small number of people are not very clear about the specifics of "time tolerance" Time, therefore, many people will ask whether it will be on the credit report if it is half a month, 1 month, or 2 months overdue? If you understand the "time tolerance" service, you will know the answer.

Will a credit report be filed if a credit card is overdue for half a month?

A credit report will be filed if a credit card is overdue for half a month. Under normal circumstances, credit cards will have a "time tolerance" service, and the time tolerance service is about 3 days. If the repayment cannot be made normally within 3 days after the repayment date, it will be considered overdue, and the bank will report it to the central bank's credit reporting system.

If you are overdue for more than 3 days, it will be included in the central bank's credit reporting system. However, the impact on you will be very different depending on the length of the overdue period. A single overdue payment of more than 3 days or less than 90 days will be included in the central bank's credit report; in addition, the bank will charge late fees according to standards and penalty interest at a daily interest rate of 0.5%. If the amount is paid off during this period, the impact on future applications for loans or credit cards will not be that great. It will be recorded and the impact will be low.

It can be concluded from the above that the "time tolerance" in the "time tolerance" service actually gives you a grace period for repayment, but this grace period refers to natural days, and the grace period It usually ranges from 1 to 3 days, which is not a long time. If it is half a month overdue as mentioned in the title, obviously even if you apply for a grace period, it is already overdue and you will need to file a credit report.