If your credit card is overdue for 3 days, please submit a personal credit report.

Credit cards have a 3-day buffer period after the repayment date. As long as the cardholder pays the minimum payment before midnight on the third day after the due payment date, it will not be considered overdue. In other words, as long as the credit card is overdue within 3 days of the repayment date, it is safe. If the credit card is overdue for more than 3 days, a credit report will be filed and it will affect your personal credit record.

1. "Tolerance" overdue

If the cardholder has insufficient repayment in the current period, and the unpaid portion of the account after the due payment date is less than or equal to a certain amount , it should be regarded as full repayment by the cardholder, and the outstanding amount will automatically be transferred to the next bill. In this case, it will not be recorded in the bad credit report.

The tolerance amount is generally within 10 yuan, but different banks have different tolerance policies, such as China Merchants Bank, Communications, Hua Xia, Pudong Development Bank, Industrial Bank, etc.

2. "Tolerant time" overdue

On the day when the repayment is due, if the cardholder fails to repay in time, there is a grace period. Within the grace period There will be no interest penalty for repaying the money, and it will not be uploaded to the credit reporting system. But if you still haven’t paid back the money after the grace period, it will most likely be uploaded to the personal credit system. The grace period of each bank is also different. Most banks have a grace period of 3 days (this is a natural day, not a working day).

3. How long does it take to become a black account? "Three in a row and six in a row"

In the eyes of banks, whether it is "three in a row" or "six in a row", it is a serious problem. People in these two situations will be classified as "problem customers", that is, they will be included in the "blacklist", which will have a serious impact on future lending business.

For example, when a borrower applies for a loan from a bank, the bank will inquire about his or her personal credit report. If the borrower has a record of "three consecutive losses", the bank will make special arrangements when approving the loan. To be cautious, the borrower will be asked to provide previous repayment statements to understand the details of overdue repayments, such as the overdue amount, etc., and will take measures such as increasing the loan interest rate, reducing the loan amount, and reducing the loan term as appropriate. In all likelihood, the loan will be rejected. Nine will happen.

In contrast, three consecutive late repayments are more serious than six cumulative late repayments. This is because overdue repayments for three consecutive months cannot escape the suspicion of "malicious" arrears. A total of six late repayments may have been caused by "negligence." However, this depends on the specific assessment of banks and financial institutions.

Extended information:

1. Personal credit report

The People's Bank of China stipulates that all card-issuing banks must upload customers' consumption and repayment records regularly. tamper. Our bank will not make any negative comments on your usage records. We will only give you honest feedback on your historical usage records without any subjective judgment. If you subsequently apply for a loan, the lending bank will comprehensively refer to your credit record, not just for a certain period of time. If you can maintain a good consumption and repayment record, your credit will continue to increase.

2. If the personal credit report is overdue

What to do if the personal credit report is overdue: Do not cancel the card if you have bad credit card records. If you terminate the use of the card, the corresponding records will not be Scroll again, but it is saved for a long time. Therefore, after overdue repayment of a credit card, do not cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit good during the period. This way, you can rely on rolling records to remove bad records from the credit reporting system. Remove.

3. Can I still get a loan if my personal credit report is overdue?

Having an overdue credit record does not necessarily mean that you cannot apply for a loan. It also depends on the degree of overdue credit. Under normal circumstances, the loan bank's requirements for overdue loans are that it cannot occur twice in the past three months, three times in the past six months, and four times in a year.

If a person is overdue six times in two years or overdue three times in a row, he will be regarded by the bank as having a bad credit record. It is usually difficult for him to gain the trust of the bank, and he will most likely be rejected when refinancing. outside the door. In addition, if you are overdue for more than 90 days, you have also been blacklisted by the bank, and it is estimated that it will be difficult to get another loan.