I have a Bank of Communications credit card, and it has only been overdue for 10 days once, does that mean?

It doesn’t matter if it is overdue for a short period of time, but it will be troublesome if it is overdue several times! Be careful in the future! Ping An Bank's credit card is overdue four times, but the People's Bank of China only has one.

The bank will not rush all the credit cards. Short-term overdue credit cards may not always be backed up to the central bank. The bank backs up the credit cards once a month. In addition, it also has practicality. If a CMB credit card is overdue for 5 days, will it affect the combination loan to buy a house?

Depending on the requirements of each professional bank, some banks will have an impact, and some banks will not affect the loan to buy a house.

Three consecutive defaults on an ICBC credit card or one default for more than 90 days will result in a bad credit report, which will affect all credit-related businesses of the cardholder (loans, credit card applications, etc.);

Some banks' credit cards will generate bad records if they are overdue for one day;

When applying for housing loans, professional banks will check the credit of the loan applicant through the People's Bank of China's credit reporting system. The credit reporting system will check the credit of the loan applicant. The credit card usage status held by the applicant will be displayed one by one.

The requirements for lending by various professional banks are also different. Some banks only need to have no bad credit report when lending; The credit card has no outstanding debt; some require that the credit card debt cannot exceed sixty days.

Therefore, when applying for a loan, it is recommended that loan applicants carefully consult the loan regulations with the lending bank. During the use of the credit card, press the bill at the end Repay the loan in time before the repayment date.

If you apply for a loan through China Merchants Bank, having overdue records will affect your credit report. When you apply for a loan or credit card again in the future, all banks can The specific impact will be determined after review by your applicant bank. Bank of China credit card system EOM test does not pass the credit report. It is overdue only once and does not exceed two days

You can apply for another bank. Overdue cards need to be swiped multiple times, and the overdue record will be overwritten. The card swipe machine can read your name for free and apply to Shanghai Pudong Development Bank. If a credit card is overdue for one week, will I be unable to apply for Universal Credit?

Hello,

The People's Bank of China stipulates that all card-issuing banks must record customers' consumption and repayment records. Upload regularly and cannot be tampered with. The bank will not make any negative comments on your usage records, it will only provide you with truthful feedback on your historical usage records

without any subjective judgment. If you subsequently apply for a loan, the lending bank will comprehensively refer to your credit record, not just for a certain period of time. If you can maintain a good consumption and repayment record, your credit will continue to increase.

Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer scroll

but will be saved for a long time. Therefore, after an overdue payment on a credit card occurs, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit good during the period, so that you can rely on

scrolling Record and remove bad records from the credit reporting system.

The "Regulations on the Management of the Credit Reporting Industry" stipulates that the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted. My Bank of Communications credit card was overdue for 1,700 for 4 days. Will my house loan be affected?

No problem, as long as there is no overdue loan, the loan conditions for mortgage house purchase are lower than those for personal consumption loans. If the Shanghai Pudong Development Credit Card is overdue once, will the application for universal funds be stopped? Hello,

The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. The bank will not make any negative comments on your usage records. It will only provide you with truthful feedback on your historical usage records

without any subjective judgment. If you apply for a loan later, the lending bank will comprehensively refer to your credit record, not just for a certain period of time. If you can maintain a good consumption and repayment record, your credit will continue to increase. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be stored in the credit reporting system for two years.

If terminated with a card, the corresponding records will no longer scroll

but will be saved for a long time. Therefore, after an overdue payment on a credit card occurs, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit good during the period, so that you can rely on

scrolling Record and remove bad records from the credit reporting system.

The "Regulations on the Management of the Credit Reporting Industry" stipulates that the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted. Will the housing loan be affected if the credit card of China Construction Bank and Bank of Communications is overdue?

Generally, if you have no more than three overdue credit card payments, you can apply for a loan, but the interest rate is very high.

If you are overdue more than 6 times and fail to repay once, you will be blacklisted by the People's Bank of China's personal credit system. Once you are on this list, it will be difficult to apply for credit cards and loans.

If you have just overdue and go to the bank to apply for a loan at this time, it is generally impossible to get a loan.