As long as the credit card is overdue, the bank will upload the overdue record to the database of the Credit Information Center of the People's Bank of China. However, as long as it is paid off in time, the overdue time is not long and the amount owed is not too large, which will generally not affect the handling of credit cards, loans and other businesses.
If the repayment is overdue, it will become malicious overdue if it is overdue for more than 90 days, which will have a greater impact and may be rejected from bank credit business in the future.
Extended data:
1. After the credit card is overdue, there will be problems in the credit investigation of the parties and there will be bad information;
2. If the overdue behavior of a party does not involve a crime, it shall bear civil liability. If a party fails to repay after being sued, it may be blacklisted;
3. If the overdue behavior of the parties is caused by malicious overdraft and the overdue amount has reached the standard, they will be investigated for criminal responsibility.
4. The overdue credit card affects the credit record, and the credit stain will be recorded in the credit information system. If you want to handle other bank loans and credit card business, the bank will check with the credit report. If there is a record of non-repayment, the bank will generally not accept the application.
References:
Credit card-Baidu encyclopedia