1. What should I do if CCB's credit card is overdue?

If your CCB credit card has not been repaid for more than two months in a row, it is called malicious arrears. If the ordinary arrears are not owed within two years, no reference will be made. Malicious arrears remain for a long time, and the specific impact is unclear. Generally, it has been more than two months since the phone call, and it is difficult to get a loan under normal circumstances. You can go to the People's Bank to check the credit report, which records your credit information.

If the People's Bank of China records that your credit value is zero, it means that you have been blacklisted and can't borrow from the bank any more. And you can't get a credit card for several years. Therefore, the most important thing to do a credit card is to maintain good credit. Only banks with good credit are willing to lend you money.

2. What are the consequences of overdue credit cards?

It is basically normal for a general credit card to repay three times overdue. In this case, you can apply for a small credit card and loan, but the interest rate is very high. Even if the credit card fails to repay once, it will be blacklisted in the personal credit information system of China People's Bank! If you are blacklisted, you will definitely not get credit cards and loans! After the credit record is blacklisted, it will be five years before it can be eliminated.

3. Can I apply for a new card if my credit card is overdue?

Expiration time

If the credit card is overdue for three consecutive times and accumulated for six times, it will leave a bad record in the credit report, which will affect personal credit reporting. So in this case, the possibility of getting a new card is basically zero.

Do you want to cancel the card?

Once the credit card is cancelled after it is overdue, on the one hand, it may be identified as "malicious overdraft" by the bank and directly enter the blacklist; On the other hand, at this time, the card was cancelled, and the last node of the credit record happened to be an overdue stain. The bank could not see the subsequent update, but the cancellation of the card was counterproductive, which highlighted the overdue. In this case, the possibility of re-issuing the card is basically zero.

Personal assets certificate

In the process of re-applying for a credit card, whether you can provide more personal assets certificates and guarantees will greatly increase the possibility of success in handling the card.

Of course, if you want to reapply for a credit card after the deadline, it is also related to the bank you choose. To apply for commercial banks other than the four major banks, these banks should generally be flexible in handling this situation and have a greater chance of passing.

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