Credit cards are products of banks, which have been connected to the central bank's credit information system. So the credit card is overdue and will be collected at the meeting. Therefore, credit card users need to maintain personal credit during use.

In daily life, if the credit card user is overdue. The bank will upload the overdue records of users to the central bank's credit information system. It will have a great impact on the user's future loan approval and credit card processing. If the situation is serious, anything related to bank credit business may be rejected by the bank.

Therefore, users must repay the arrears in their credit cards before the repayment date. Generally speaking, most banks have tolerance service. Time tolerance service is about 3 days, and tolerance service is about 10 yuan.

However, users must use it carefully. Once there is a problem, it may be regarded as overdue by the bank. Moreover, individual banks do not support time tolerance services, or the amount of time is slightly different, which needs to be understood in detail.

The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted.

Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.

In the past, some people complained that they couldn't understand the personal credit report, because it was full of tables and numerical codes, and what each number meant had to refer to the notes to understand it.

The new version of the report has changed the presentation mode based on tables and used more words to describe it. At a glance, the public will know which cards are overdue and which repayments are normal. At the same time, the new report also reserved a display area for information such as asset disposal and guarantor compensation.

In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work.

The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.