Bank credit cards have a 3-day grace period for repayment. Repayment within the repayment grace period is regarded as normal repayment, and repayment beyond the repayment grace period is regarded as overdue.

1. If the bank credit card is overdue for 10 days and has been paid off, it will also have the following effects:

1, affecting personal credit information.

If the bank credit card is overdue 10 days, it will definitely affect the cardholder's credit information. Even if it has been settled, it will leave overdue bad credit records on the credit information, which will affect the cardholder's subsequent application for other credit products.

2. No longer enjoy interest-free treatment, you need to pay penalty interest and liquidated damages.

If the amount of overdue debt is small and the overdue time is short, the interest will be calculated from the date when the cardholder swipes the card, with the consumption principal as the principal, and the overdue fee will be charged for the minimum repayment amount.

3, affect the credit card withdrawal

If the cardholder has overdue repayment when using the credit card, it will be more difficult to increase the limit. If the overdue time exceeds 30 days, CCB will generally reduce the credit limit of the cardholder.

2. What are the factors that affect personal credit reporting?

1. The credit card has been overdue for three or six consecutive times in two years.

2. In the previous mortgage behavior, the monthly payment was overdue for 2 to 3 months or not paid back.

3. The monthly payment of the car loan is overdue for 2-3 months or not.

4. The expected annualized interest rate of the loan is raised, and the monthly payment is still paid according to the original amount, resulting in overdue interest.

5. Sleep credit card, if it is not used after activation, will also generate an annual fee, and will not generate a negative credit record.

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

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

8. Economic disputes such as debts will also affect credit records.

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

10. Personal credit card cashing.

1 1. The student loan is in arrears.

12. The mobile phone charge is linked to the bank card charge. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.

13. Being fraudulently used by others or a copy of ID card generates a credit card arrears record.