Will affect. Credit card arrears will lead to problems in your credit information and affect your loan. If you want to use a credit card, you must first understand the rules of use. If you can accept it, you can apply. If you can't accept it, you'd better not apply. After all, credit cards belong to overdraft card, and not everyone can use them at will. Many staff who recommend you to apply for a credit card only care about their own performance, regardless of whether you have the ability to pay the overdraft limit. Everyone wants you to get a credit card.

1. What is a credit card?

Credit card, also known as credit card, is a bank card that can be overdrawn. Every bank can handle it, and the amount ranges from thousands to hundreds of thousands. Some will match the overdraft limit according to your income, while others will match customers according to your needs regardless of your income geometry. When applying for a credit card, you should first ask yourself why you want to apply for a credit card, what is the purpose of applying for a credit card, whether you have a fixed income, and whether you have enough money to pay the overdraft when the credit card repayment date comes. Make all these questions clear before deciding whether to apply for a credit card. After all, overdue credit cards will affect your credit information. Buying a house, buying a car and looking for a bank loan will be affected in the future.

Two. Advantages and disadvantages of credit cards

Credit cards are very convenient to use and can alleviate the problem of insufficient funds for cardholders. You can also use credit card points to redeem exquisite gifts and special rights. The disadvantages of credit cards are also very obvious. Charge higher interest, easy to over-consume or blindly consume. Once a serious overdue record is generated, it will affect personal credit information. Credit cards are mainly used for the daily consumption of cardholders and provide a certain amount for cardholders.

Three. Credit card repayment date

Take CCB's credit card as an example. The repayment date is 25th of each month. The bill generation date is 5th of each month, and the bill cycle is 5th of last month to 5th of this month. There is a 20-day buffer period. After the bill is generated on the bill date, the arrears must be paid before the 25th, otherwise the application will be affected.

/9a 504 fc2d 5628535 1d 54984080 ef 76 c 6 a 7 ef 63 1f？ x-BCE-process = image % 2f resize % 2Cm _ lfit % 2Cw _ 600% 2Ch _ 800% 2c limit _ 1% 2f quality % 2Cq _ 85% 2f format % 2Cf _ auto