How long can a credit card be overdue?

1. Credit cards can generally be overdue for 1-3 days.

2. If the credit card has a grace period, the grace period is usually 1-3 days. At this time, the user can be overdue for 1-3 days. The user needs to ensure that the overdue balance is paid off within the grace period. There is no repayment grace period for credit cards, so the card cannot be overdue. As long as the payment is not successful on the repayment date, the bank will treat the user as overdue. After the credit card expires, overdue records will be uploaded to the credit report.

3. Therefore, users need to first understand whether their credit card has a grace period for repayment. If there is no grace period, please pay attention to repay on time on the repayment date.

What to do if your credit card is overdue and unable to repay it

1. Apply for negotiated installment.

(1) For users whose credit cards are overdue, the China Banking and Insurance Regulatory Commission will give them the right to apply for personalized installments.

(2) Therefore, users can apply to the corresponding bank to repay the current overdue debt in installments.

(3) When the repayment pressure is reduced, subsequent repayments will be easier.

2. Repay part of the amount every month.

If the bank does not agree to the user's application for installment repayment, and still fails despite the intervention of the China Banking and Insurance Regulatory Commission, he or she can repay a small amount every month to show that he did not overdue maliciously, but only made repayments. Pressure, this can also avoid the bank from prosecuting the user for capital fraud, and the subsequent need to increase financial resources to pay off early.

3. Find help from relatives and friends.

(1) Overdue credit cards will not only affect your credit report and increase repayment costs, but will also lead to collection and even prosecution, with serious consequences.

(2) You can confess to your family, relatives and friends as early as possible and repay the debt first, and then repay the borrowed funds to relatives and friends later to avoid the increase in debt caused by long overdue time.