A credit card that is overdue for 5 days will definitely have a bad credit record, even if it is only overdue for one day.

If this is your first overdue payment, the record will not be entered into the blacklist of the bank's credit reporting system.

If a credit card is overdue more than three times in a row or is overdue for more than 90 days, it will enter the central bank's credit reporting system.

Extended information:

1. Consequences of overdue credit card

1. After the credit card expires, there is an interest-free period, which is about twenty days. There is no interest during this period of fifty days, but if you have not repaid the loan after this period, there will be interest. In addition to paying back the principal, you will also have to pay interest.

2. If you are overdue, your personal credit may be affected. Your information will be uploaded to the central bank’s credit system and you will become a dishonest person. This will affect your ability to take trains, high-speed rails, buy houses or cars in the future. Great impact.

3. Serious overdrafts will be classified as malicious credit card overdrafts, and you will need to bear criminal responsibility and be sentenced, which will bring great trouble to your life.

2. Once the overdue bad credit card records are formed, they cannot be deleted. Bad records caused by overdue repayments by credit card users can only wait 5 years before the Bank of China system automatically overwrites and deletes the records. Users cannot use other means to delete bad records caused by overdue payments.

Users can refresh their credit records and overwrite the original records to eliminate negative records and their impact. Because when a bank conducts a credit investigation, credit card records only show records for the last 24 months, and past records have no impact. Therefore, when you have a bad credit card record, you must not cancel the card. You should insist on using it and repay it on time. In this way, the original negative credit record will be overwritten and a good credit record will be re-formed, so that there will be no impact on credit behavior. adverse effects.

3. Credit card cash withdrawals do not enjoy the interest-free period, and interest will be calculated at a daily interest rate of 5/10,000 from the date of cash withdrawal until it is paid off. Taking repayment after 20 days as an example, the interest to be borne by withdrawing 10,000 yuan in cash is: 10,000*0.05*20=100 yuan, which is an interest of 5 yuan per day, totaling 100 yuan for 20 days.

In addition, there are handling fees for credit card cash withdrawals. Each bank has different handling fee standards, which are generally around 1-3. Taking the Bank of Communications as an example, the handling fee for credit card cash withdrawal is 1, and the handling fee for withdrawing 10,000 yuan is 100 yuan. The total *** adds up to a fee of 200 yuan. The cash withdrawal fees are relatively high, including Everbright and Ping An, both of which are 2.5. Then, the handling fee for withdrawing 10,000 yuan is 250 yuan, and the total fee is 350 yuan.

Cardholders are advised not to use credit cards to withdraw cash without special needs. Even if you need to withdraw cash, you should choose some special cards with cheaper cash withdrawal fees. For example, Bank of Communications' Y-POWER credit card has a handling fee of RMB 5 for domestic RMB cash withdrawals. However, you must repay as soon as possible after withdrawing cash.