If it is a credit card repayment, most banks have time-sensitive service (except ICBC), that is, the repayment does not exceed 3 days, which is not overdue. When the repayment is less than 10 yuan, it is not overdue. If it is a personal loan handled by China Merchants Bank, it is impossible to apply for an extension of the deduction time. If the repayment is not made in full and on time on the "deduction date", overdue records will be generated, which will be uniformly recorded by the central bank to the credit information system.

Credit card overdue:

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!

When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.

If loans overdue repays the loan once but in time, it will have little impact on the loan.

The following are cases where 13 will leave a bad record:

1. The credit card has been overdue for three consecutive times, totaling six times.

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas charges are not paid on time.

6. Personal credit card cashing.

7. The student loan is in arrears.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.

9. Credit card overdrafts and mortgage loans are not repaid on time.

10. When providing a guarantee for a third party, the third party fails to repay the loan on time.

1 1, personal credit reports will also record some court economic judgments. Therefore, economic disputes such as debt will also affect credit records.

12. Mobile phone charges are linked to bank card charges. If you don't go through the relevant formalities after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, which will also cause bad records.

13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.