It is suggested to check the central bank's credit report. If the overdue record is not more than 3 times, try to apply for another bank credit card. If you can't approve the card, you will basically bid farewell to the credit card within two years. No matter which bank's credit card you apply for, the bank will go to the central bank to check your credit report during the audit. If the overdue time is more than 90 days or the overdue record is more than 3 times, it is a high-risk customer and will generally refuse approval.
How long is the credit card overdue?
Credit card, also called debit card, is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Generally speaking, a credit card is overdue if it is not repaid, but the bank will still give the cardholder a grace period, usually three days. If the cardholder can pay off the loan within the grace period, the bank will not upload the bad records to the credit information system. If the cardholder fails to pay off the loan after the grace period, the bank will upload the bad record to the credit information system.
If the cardholder's overdue record has been reported, the cardholder must remember not to cancel the card at this time, nor can he sit idly by and pay off the arrears as soon as possible to eliminate the overdue record of the credit card.
Generally speaking, according to the latest Regulations on the Administration of Credit Information Industry, if there is no bad record before, and you continue to use it during the period and keep a good use record, the overdue credit record of a credit card can be eliminated after 2 years. If you have an overdue bad record, continue to use it and make a good record in the meantime. It will take 5 years for the overdue credit record of credit card to be eliminated.