Concerning the issue of credit card credit reporting, many cardholders ask, what does Shengjing Bank’s credit card overdue mean? Next, Kabaobao will tell you about the overdue credit card of Shengjing Bank and the method of querying the overdue bad record of Shengjing Bank's credit card. I hope it will be helpful to all card friends.

What does Shengjing Bank’s credit card overdue mean?

Overdue repayment refers to the situation where the final repayment period stipulated by the bank is exceeded and the consumed funds are not deposited into the designated account in full and in time. . Generally speaking, banks will charge a certain amount of interest for overdue repayments, usually an interest of 0.05%. However, the interest accrual date is calculated from the date of consumption, not the date after the final repayment date.

How to check the overdue bad record of Shengjing Bank’s credit card

You can go to the local People’s Bank of China to check. When checking, you need to bring your ID card and a copy, and fill in the form issued by the People’s Bank of China. For related inquiry applications, it usually takes 2 to 3 working days for the inquiry results to be available. When submitting the application, the staff will ask whether to mail the credit report to the designated address or to pick it up in person. You can choose according to your own situation.

The credit report shows not only bad records, but also many other credit-related records, such as basic personal information, personal loan information and credit card information, bank account information, and records of credit report inquiries. wait.