1. Is the credit card overdue serious?
If the credit card is not repaid on the due date, it can actually be extended. Please call the bank staff for details.
If the extension is not processed or expires, the credit card will be considered overdue. Overdue payment will not only incur high penalty interest, but will also affect personal credit. A total of 3 to 6 times will still leave a bad record. But if it is overdue once, it will not last long and the impact will not be great. After the extension, the arrears will be repaid in time and then communicate with the bank. Generally there is no big problem.
2. How to deal with an overdue credit card?
The seriousness of an overdue credit card is mainly considered from the amount and time. It is only overdue once, which is not a vicious operation. The amount is fixed and needs to be dealt with carefully. Time analysis. Generally, banks require repayers to repay on a designated repayment date. There will be at least one text message to remind repayment in the month, and the mobile APP will also remind you multiple times when the repayment period is approaching. It is usually divided into three levels within 90 days after overdue. The credit of the repayer is analyzed based on 30 days. Obviously, if you do not repay for more than 30 days, that is, if you know that you are owed and do not repay, it is malicious in nature. If you do not repay after 2 months, Repayment is intentional non-repayment. The bank will call to ask if the cardholder has any unexpected illness? Is it in China? What is the situation? They will even send people to investigate. Riding the Bull and Watching the Bear reminds cardholders that if it is only a few days overdue, call the credit card customer service quickly for consultation, because banks are more user-friendly and usually have a grace period of 1 to 7 days, which will give the cardholder a chance. As long as it is not reported on one's credit report, timely repayments will not leave a stain on the credit investigation.
When the cardholder checked the credit investigation system or loan, he found that a payment was overdue. After confirming that it is not overdue, call the customer service of the cardholder bank to see if there are system problems or manual errors. Once the bank finds that the problem is not the cardholder's, it will issue relevant illegal and malicious overdue certificates and delete the erroneous stain records in the credit investigation system. Riding the bull and watching the bear is generally considered to be early repayment. In the personal credit investigation question, the reason must be inquired for the first time. Maybe the fault is not on you, so you don't have to find a remedy, but naturally apply for your own loan. Cardholders should also note that after the bank loan interest rate increases, your repayment amount will increase. You should still repay the previous amount. If you do not pay attention to the bank card prompts or the repayment amount display on the mobile APP, the credit card interest will easily become overdue.
3. What happens if your credit card is overdue once?
If your credit card is overdue once: ① If it is not overdue within the grace period, or there is no grace period, overdue interest and late payment fees will be calculated directly; ② Late payment fees are For 5% of the outstanding balance, the interest will be calculated based on the daily interest rate of 5/10,000; ③ Call the credit card center or bank to explain the situation; ④ If it is overdue once, it will be repaid immediately within a short period of time, which will not have any impact on the credit record; ⑤ It will have a certain impact on the application amount , the amount will be slightly reduced; ⑥ It will have a certain impact on the loan; ⑦ Overdue for more than 60 days, the personal credit record will be recorded; ⑧ Overdue for more than 90 days, the record will be a bad credit investigation.
If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.