after overdue loans and credit cards, you must repay them as soon as possible, and then contact financial institutions after repayment. If the overdue records have not been uploaded, it can be remedied.
Extended information:
The overdue records in the credit report will affect our personal credit, and we may be rejected when handling credit cards and loans.
after we successfully handle the credit card and loan, the repayment situation will be recorded in the credit report, and the repayment status will be indicated by various symbols and numbers. Therefore, knowing the meaning of each symbol and number can basically understand whether the credit report is overdue. It should be noted that loans and credit cards have the same symbol and number, and their meanings may be different.
how to see if there are overdue records in the credit report
1. loans overdue records
If any number from 1 to 7 is displayed in the loan details, it means that there are overdue records, and different numbers represent different overdue days.
"1"-indicates that the overdue days are within 3 days, that is, 1-3 days;
"2"-indicates that the overdue days are more than one month, that is, 31-6 days;
"3"-indicates that the overdue days are more than two months, that is, 61-9 days;
"4"-indicates that the overdue days are more than 3 months, that is, 91-12 days;
"5"-indicates that the overdue days are more than 4 months, that is, 121-15 days;
"6"-indicates that the overdue days are more than 5 months, that is, 151-18 days;
"7"-means overdue for more than half a year, that is, more than 18 days;
in addition, if the letters D/Z/C are displayed, it may also indicate that there is a bad record, which is more serious than the overdue degree.
2. Credit card overdue records
In the credit card details, any number from 1 to 7 is used to represent the overdue times, not the overdue days. If you see any number, it means that there is an overdue record. It should be noted that the credit card is overdue, which means that the minimum repayment amount has not been paid.
"1"-means overdue once;
"2"-means overdue for 2 times in a row;
"3"-means overdue for 3 times in a row
"4"-means overdue for 4 times in a row;
"5"-means overdue for 5 consecutive times;
"6"-means 6 consecutive overdue times;
"7"-means overdue for more than 7 times.
finally, I would like to remind you that if you see any overdue records in the credit report, you must deal with them in time, pay off the overdue debts, and the overdue records will not be eliminated until five years later, and the impact will be different with different degrees of overdue, especially if the overdue records reach three to six in two years, it will basically be out of the bank credit business.