If a Ping An Credit Card is overdue for 5 days and will be subject to a credit report, Ping An Credit Card will allow a three-day grace period. Repayment within the grace period will not be considered overdue and will not be subject to a credit report. Five days has exceeded the grace period of Ping An Bank. If the repayment is not made within five days, it will be considered overdue and will be included in the credit record. Being a credit bureau will have a certain impact on your future life, so be sure not to overdue it.

A credit report will be filed after a Ping An credit card is overdue for 3 days. If it is overdue, there will be the following consequences:

1. The overdue record will be recorded in the credit report, and overdue interest will accrue on a daily basis.

2. During the overdue period, I encountered text messages and phone calls from Ping An Bank for collection.

3. Unable to apply for any credit business from Ping An Bank.

4. You cannot apply for loans from other banks, consumer finance and other institutions during the overdue period.

The personal credit report records personal credit information, which mainly includes basic personal information, credit information (whether there is a bank loan, whether there is an overdue credit card overdraft record, etc.), non-bank information (water, electricity, etc.) , payment information for gas and other public utilities, tax arrears, civil judgments, etc.). This information will affect individuals' lending behavior at financial institutions. For example, when applying for a personal mortgage loan, banks need to see the credit report. If you have good credit, you may get a discount, but if you have a past due record, you may have to raise the price or even be unable to get a loan. It can be said that a personal credit report is an individual’s economic ID card.

1. At present, my country's personal credit system can be roughly divided into two categories, namely, People's Bank of China credit reporting and third-party credit reporting.

1. People's Bank of China Credit Report

The People's Bank of China Credit Report is currently the most authoritative personal credit system. You can check it through two channels:

The first channel Just enter the website of the Credit Information Center of the People's Bank of China, register and log in to the personal credit information service platform, and you can check your personal credit report.

If you are prompted that you cannot register, it means that you have no credit record, which is the so-called white account.

The second channel is to go to the local PBC branch to inquire, but offline inquiries are only free twice a year.

2. Third-party credit reporting

Third-party credit reporting includes many platforms, such as the common Sesame Credit, WeChat payment scores, credit scores of various platforms, etc. kind.

But in fact, the only institution with a third-party personal credit reporting license is Baihang Credit Information, of which eight credit reporting agencies, including Zhima Credit and Tencent Credit, are its shareholders.