the credit card is overdue for half a year, even if it is paid off in full, it can't be used. If the credit card is overdue, it will be frozen by the issuing bank, and if the cardholder has three consecutive overdue repayments, or accumulated six overdue repayments, or the overdue time is more than 9 days in a row, it will form a personal bad credit record and will be uploaded to the credit information system, resulting in the inability to handle other credit business in the next five years.

overdue solution of credit card:

1. If the cardholder forgets to repay, he must repay as soon as possible, preferably in full. Call the bank's credit card center to declare non-malicious arrears. If the overdue time is short, the bank may not count bad records;

2. If the credit card is unable to repay due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center, explain his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to postpone the repayment, and the bank and the cardholder will agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the record of overdue credit card repayment will be kept in the credit information system for two years. If it is found that the card is directly cancelled after the overdue payment, the information will not roll, but will be kept for a long time.

China's first credit information industry regulation, the Regulation on the Administration of Credit Information Industry, was officially implemented. Since 23, it has been brewing for ten years and finally the dust has settled. Among them, it is particularly noteworthy that the retention period of personal bad information is limited to 5 years, and it will be deleted after 5 years; At the same time, individuals can inquire about their credit reports from credit reporting agencies twice a year for free, and they can exercise their right of objection and appeal for errors or omissions.

according to the regulations on the administration of credit information industry, personal bad information records will not be a "lifetime" stain, but only have a "shelf life" of five years, so don't worry about the impact of the stain on your life. Previously, the bad personal information in the old credit report, which was officially put into operation in 26, was "always displayed".

According to the Regulations, the retention period of personal bad information by credit reporting agencies is five years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted.

the information recorded in the credit information system includes positive information and some negative information. It mainly includes that after the loan relationship with the bank, the principal and interest are not repaid at the time required by the contract, and the default and loan repayment will be truthfully reflected in the credit record, which will have a negative impact on personal credit.

according to the regulations, as long as good credit behavior is maintained within five years, these bad information will disappear after five years. For example, a loan should be repaid on May 1st, but it will not be repaid until October 1st, so this record will be deleted after 5 years from October 1st.