1. How many days is m1m2m3 overdue on a credit card?

"m" is the first letter of "Months" in English. When translated into Chinese, it means "months". " means, naturally the "m1, m2, m3" listed here represent a period of time when your credit card is overdue.

"m1" generally refers to the period of time that is "the period from the second billing date after the credit card is overdue to the last repayment date on the second billing day" . Generally, at this stage, banks will use reminders to remind overdue credit card debtors to pay off their debts, and will charge interest and liquidated damages arising from overdue credit cards.

"m2" generally refers to the time period from "the time period between the third billing day after the credit card is overdue and the final repayment date on the third billing day" . At this stage, banks will generally adopt manual collection methods, such as phone calls or door-to-door collections, for effective collection.

"m3" generally refers to the time period from "the time period between the 4th billing day after the credit card is overdue and the final repayment date on the 4th billing day" . The consequences faced at this stage will be more serious, which is a serious credit card crisis. Under normal circumstances, the bank will litigate in judicial proceedings.

2. What to do if the credit card has expired and the money has not been paid off

1. Contact the bank proactively; when you find that your credit card has expired but the money has not been paid off, then In this case, the most important thing you should do is to contact the bank proactively and fully explain to the bank why you do not have the money to pay off the credit card when it expires. Generally, you must have evidence. You must fully convince the bank that what you say is true and that relevant institutions can provide proof. Banks will generally consider this situation at their discretion.

2. Actively raise money to repay; just like we negotiated with the bank in the previous stage and obtained the bank's repayment period forgiveness. But after all, this operation only treats the symptoms, not the root cause, and does not solve the fundamental problem of the money we owe the bank. Therefore, in order to solve the fundamental problem, the biggest solution is to actively return the money to the bank. Only in this way will the initiative be in our own hands.

3. Will a personal credit report be filed if it is one month overdue?

A personal credit report will be called if it is one month overdue; currently, commercial banks in my country generally report overdue credit cards to The credit reporting department of the bank will record this kind of bad behavior on each of our credit reporting reports, which will cause a certain stain on our credit reporting reports. I still hope that everyone will not have a negative impact on our personal credit report because of overdue credit.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.