how to check whether the credit card is overdue? It will be clear to you after reading it.

Although the credit card is handled with our identity information, the money in it is not our own, so we must repay it on time after using the credit card to overdraw, otherwise the credit will be affected and penalty interest will be incurred. However, some banks won't notify you after the credit card expires, so is there any way to check it? Let's take a look.

how to check whether the credit card is overdue?

there are many inquiry methods, and there are two channels, one is the bank channel and the other is the credit center channel.

1. Through the banking channel, you can log in to the official website Personal Account Center of the credit card, and it will be displayed if it is overdue; Or directly call the service hotline of the issuing bank and ask the customer service to help check. This method is more accurate, because some bank credit cards are overdue, but they have not been reported to the central bank for credit investigation. Timely repayment can also save the credit.

2. It is also an intuitive method to directly enter the credit center to obtain personal credit report, and the overdue records of credit cards/loans will be displayed on the credit report, and the overdue time and overdue amount of each card can be found.

The credit card must be repaid after it is overdue

If it is not repaid, the bad credit will never be eliminated. During the overdue period, it will often be collected by the bank. If the overdue time exceeds 3 months, and the overdue principal reaches 5, yuan, it will be considered that malicious overdraft constitutes a credit card crime, which is likely to be punished.

The repayment method after overdue is the same as usual. You can repay through mobile banking, online banking, or third-party channels. It is recommended to use free repayment and repayment in real time, so as to avoid charging an extra day of overdue interest.

the above is the introduction of "how to check whether the credit card is overdue", and I hope it will help you. In short, don't break the credit card when it is overdue. Pay off the debt as soon as possible, and the impact will be smaller. Otherwise, the longer the overdue time, the more interest will be generated, and criminal responsibility may be pursued if the circumstances are serious.

how to query the overdue detailed records of personal bank credit cards?

The detailed overdue records of personal bank credit cards can be inquired at the counter of the issuing bank.

1. Definition of CreditCard:

1. Credit card (English: credit card), also called debit card. It is a non-cash transaction payment method and a simple credit service.

2. Credit cards are generally special carrier plastic cards with consumer credit, which are 85.6mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, whereby they can shop, spend money and deposit and withdraw cash from banks. The form is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and the card surface has chips, magnetic strips and signature strips.

3. Credit cards are issued to cardholders by banks or credit card companies according to users' creditworthiness and financial resources. Cardholders don't need to pay cash when they use credit cards, and they will make repayment on the BillingDate.

4. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks, which give cardholders a certain credit limit, within which they can spend first and then repay; Quasi-credit card refers to a quasi-credit card issued by a bank, where the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.

The credit card generally refers to a debit card only.

5. The credit card stipulated in the relevant laws of our country ("the NPC Standing Committee's Interpretation on Credit Card Provisions of the People's Republic of China and the Criminal Law of China") refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal.

2. Main features of credit card:

1. Credit card is one of the fastest-growing financial businesses today, and it is an electronic currency that can replace traditional cash circulation in a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

3. Credit card is a high-tech product integrating financial business and computer technology;

4. Credit cards can reduce the use of cash currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and meet social needs.

Third, the concept of overdue repayment:

1. Generally speaking, all banks will charge a certain amount of interest for overdue repayment, which is different from bank to bank, and is generally five ten thousandths of interest. However, the starting date of interest should be calculated from the date of consumption, not from the date after the last repayment date.

2. It is suggested that if the total amount is not paid, the minimum repayment amount can be paid first, which will not affect the credit limit. At the same time, there will also be a buffer period, so that the bank can know the capital flow of your account in time and will not freeze the account!

3. When the credit card (credit card) holder chooses the minimum repayment method or uses the card that exceeds the credit limit approved by the issuing bank, he/she will no longer enjoy the interest-free repayment period, and shall pay the overdraft interest calculated at the specified interest rate from the bank bookkeeping date.

There are many ways to check whether a credit card is overdue.

In the Internet age, information is interconnected. Don't think that personal credit records are personal privacy and others can't know. In fact, all your credit habits are in the hands of credit centers and banks. Once a credit card is overdue enough for personal credit, it may directly lead to your failure in handling cards and loans in the future. Teach you several ways to inquire about overdue credit cards.

overdue credit cards can be inquired online and offline

From June 9, 214, cardholders can inquire personal credit reports through the Internet, online banking of commercial banks, self-service inquiry machines and counter inquiry.

Personal credit records are recorded in the credit information system of the People's Bank of China, and this system is networked nationwide. All banks can find personal credit records in this system, and the records generated by overdue credit cards are also displayed in it. It is the most authoritative way to query the overdue blacklist of credit cards through the credit information system.

In addition, cardholders can go to the local People's Bank for overdue credit card inquiry. They need to bring their valid identity certificate and a copy, and fill in the relevant inquiry application issued by the People's Bank. Generally, the inquiry results will be available within 2 to 3 working days. According to the regulations, you can check it once a year for free.

Teach you how to read the personal credit report

The following symbols in the credit report have their own meanings: "n" is normal; ""refers to the data that there is no repayment history in this month, the repayment period is longer than months, and the repayment frequency is irregular; "/"is an unopened account, and the numbers 1 to 7 are overdue days, representing 1 to 3 days, 31 to 6 days, 61 to 9 days respectively, and so on, and 7 represents more than 18 days. "C" refers to loan settlement, including normal settlement, early settlement, debt settlement with assets, repayment by guarantor, etc. "D" is the guarantor's repayment; "Z" means paying off debts with assets, which means that the borrower has repaid the loan by paying off debts with assets, and only refers to the part paid off with assets. Credit card overdue can be reflected by these symbols.

Reminder

It is not advisable to make too many overdue inquiries about credit cards. Every inquiry about the credit information system will be recorded. If you see many visits when you apply for a credit card bank to inquire about the credit information system, you may suspect that there is something wrong with your credit or assets, which will affect the bank's approval of cards.

How to check overdue records of credit cards

The inquiry of overdue records of credit cards is as follows:

1. Individuals who want to check overdue records of credit cards can log on to the website of Credit Information Center of China People's Bank, register and submit an application for inquiry;

2. You can call the central bank's credit information centers around the country to inquire;

3. Bring your ID card directly to the local credit information center for inquiry;

4. The subject of personal information has the right to obtain my credit report twice a year for free.

Article 17 of the Regulations on the Administration of Credit Information Industry

Information subjects can inquire their own information from credit information agencies. The subject of personal information has the right to obtain my credit report twice a year for free.

article 18

when inquiring about personal information from a credit reporting agency, the written consent of the information subject shall be obtained and the use shall be agreed. However, unless the law stipulates that it can be inquired without consent.

credit reporting agencies shall not provide personal information in violation of the provisions of the preceding paragraph.

article 19

if a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.

how to check whether the credit card is overdue

There are many inquiry methods. At present, there are two channels, one is the bank channel and the other is the credit center channel.

1. Through the banking channel, you can log in to the official website Personal Account Center of the credit card, and it will be displayed if it is overdue; Or directly call the service hotline of the issuing bank and ask the customer service to help check. This method is more accurate, because some bank credit cards are overdue, but they have not been reported to the central bank for credit investigation. Timely repayment can also save the credit.

2. It is also an intuitive method to directly enter the credit center to obtain personal credit report, and the overdue records of credit cards/loans will be displayed on the credit report, and the overdue time and overdue amount of each card can be found.

Application

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph. [9]

Review

After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

how to check whether the credit card is overdue?

In addition to penalty interest, overdue credit card records will be uploaded to the People's Bank of China's credit information system, which will have an impact on daily life in the future. The following is the method of inquiring about overdue credit cards, taking China Construction Bank as an example.

1. online banking inquiry: log in to personal online banking, and in the credit card column, the system will automatically identify overdue customers and prompt customers that their current credit cards are overdue.

2. website inquiry: customers can log in to the credit card center of CCB for inquiry. If the credit card is overdue, there will be this article on the homepage of the website to remind customers.

3. mobile APP query: log in to the mobile banking APP, click in the upper right corner, and select message-account manager to see if there is any overdue push information. You can also check the specific overdue time, overdue amount and other information in the transaction details.