It is said that the civil service examination is relatively strict. Some friends are worried about the impact because they have had overdue credit cards before. So, will overdue credit cards affect the civil service examination? Let’s learn more below!

Will an overdue credit card affect the civil service examination?

An overdue credit card will not directly affect the civil service examination. The civil servant political review mainly examines whether candidates have committed illegal or disciplinary violations, criminal acts, etc. There are no special requirements for credit reporting. However, if your credit card is overdue for a long time, if it involves credit card fraud, you will be punished by criminal law, which will naturally affect the civil service examination. Therefore, having a good credit report is also very important for the civil service examination.

How to restore the credit report of an overdue credit card?

1. If the cardholder forgets to repay the credit card and finds that it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue time is short, the bank may not count the bad records;

2. When the credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank's credit card center before the repayment period. Explain your financial situation, declare that you do not owe money maliciously, and apply for deferred repayment or installment repayment;

3. Cardholders actively apply for deferred repayment, and banks will often agree to the extension. Banks and cardholders People agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but you must repay on time after applying for an extension;

The above is an introduction to the relevant knowledge about overdue credit cards. If the user has overdue behavior, the bank will record your bad overdue credit card. Records are uploaded to the central bank's credit system. Moreover, the bad record will be kept in the personal credit report for five years after the repayment is completed. During this period, it cannot be manually eliminated. It will not be automatically eliminated until five years later.