What are the consequences if a credit card is overdue for 3 days, 30 days, or 90 days? 1. The impact of a credit card being overdue for 3 days is not very big, because first of all, many banks have time tolerance services and will provide credit card holders with a grace period for repayment. The grace period is basically about 3 days. . If you are overdue for 3 days and are still within the repayment grace period, you will not be subject to a credit report after repayment, nor will you be charged interest; if it exceeds the repayment grace period, because the overdue period is short, the impact will basically be to pay some penalties. interest. 2. Credit card is overdue for 30 days. If a credit card is overdue for 30 days, the impact will be more serious. Many banks will report the credit report 30 days after the due date. Of course, some banks will not report the credit report until one month after the overdue date. Being overdue for 30 days has a considerable impact on personal credit. And you also need to pay 30 days of penalty interest. 3. A credit card is overdue for 90 days. If a credit card is overdue for 90 days, the bank can sue the cardholder, and a credit report will definitely be filed if it is overdue for 90 days. This will have an extremely bad impact on your credit and will not only be blacklisted by the bank. , and will also be included in the blacklist of dishonest persons by the court. The bank will continue to collect debts, and there will also be overdue penalty interest. The penalty interest will also be charged compound interest for 2 months.
What should I do if my credit card is 3 days, 30 days or 90 days overdue? 1. No matter how many days it is overdue, the first thing to do is to pay off the debt as soon as possible; 2. If it is 30 days overdue, if you are not overdue on purpose, sometimes it may be because of the overdue annual fee, you can go to the bank When explaining the situation, try to minimize the impact; 3. For example, if it is 30 days or 90 days overdue, if it is reported to the credit bureau, the overdue record will be retained for at least 5 years. After paying off the debt, you need to maintain a good credit record. The record will not be eliminated after 5 years. But if you use the card well, you can overwrite the previous one with a good card usage record in 2 years. The above is the answer to "What are the consequences of a credit card being overdue for 3 days, 30 days, or 90 days? What should I do?" Depending on the length of time a credit card is overdue, the severity of the impact is also different. And you should also develop a good habit of repaying your credit card on time when using your card.