If it is overdue by one day, it will be paid off immediately, which will have little impact. Most of these cases are non-malicious overdue. In addition, most banks and lending institutions generally provide time tolerance service, that is, give appropriate delay on the repayment date. Some credit cards have a grace period of three days, and as long as the repayment is completed within this period, it will generally not be overdue.

2.9 1 day overdue

Overdue for more than 3 months, it has already met one of the conditions of malicious overdraft. In this case, it is generally impossible to eliminate overdue records and will be blacklisted by banks. If you owe more than 50,000 yuan, you will also face the risk of being prosecuted for criminal responsibility.

Once it is included in the list of people who have broken their promises, it will inevitably affect work, life, travel, accommodation, buying a house and a car loan, and children going to some schools.

According to Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, under special circumstances, if it is confirmed that the amount of credit card arrears exceeds the repayment ability of the cardholder and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The maximum term of personalized installment repayment agreement shall not exceed 5 years. " In other words, the longest stop is 5 years and 60 periods.

In addition, it also stipulates that "the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use violence, coercion, intimidation, abuse and other improper collection behaviors".