1. What should I do if my credit card is unexpectedly overdue for one day?

If the cardholder finds that his credit card is overdue for one day, it is best to pay off the credit card debt in full immediately, and then contact the bank customer service staff to apply for cancellation of the overdue bad record as soon as possible. If the bank has uploaded your overdue record to the central bank's credit information system, it cannot be revoked. At this time, you need to apply to the bank for a non-malicious overdue certificate.

If you are not careful, you need to turn around, and it may take several days to repay in full. You can also contact the bank and apply for deferred repayment. You have always maintained a good credit record, and most banks will agree to postpone your repayment.

2. Can I still get a loan if my credit card is unexpectedly overdue for one day?

For those users who just accidentally overdue for a day or two, or who have been together once or twice, and then repay immediately afterwards, the bank will not conduct very harsh loan approval, so it is generally only after your credit card is accidentally overdue for one day.

It should be noted that after you apply for a loan, the bank will review your personal credit. If there are overdue records in your credit report, the bank may continuously raise the loan interest rate or reduce the loan amount. For this, if you don't accept it, you can also go to several banks and choose the best loan.

Third, what will happen if the credit card is unexpectedly overdue for one day?

If the credit card you apply for provides a grace period, it will generally exceed one day, so it doesn't matter if the credit card is accidentally overdue by one day.

Most offer a three-day grace period, which means that if you miss the final repayment date, you still have three days to pay back the money. As long as the debt is paid off within this period, it will still be regarded as normal repayment and will not bring any impact.

However, individual banks did not provide customers with a grace period. For example, if ICBC applies for ICBC's credit card, it will produce overdue records one day overdue, which will affect personal credit, in addition to overdue interest and liquidated damages. At this time, the cardholder should repay the loan as soon as possible to minimize the loss.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.