As long as it is overdue, it will definitely be recorded in the personal credit file. This record will have an impact on everyone's mortgage, car loan and other series of loans. Of course, this also depends on the circumstances. For example, when the balance on the card is insufficient when automatic deduction is made, and there is still a small amount of debt that has not been repaid, as long as it is discovered within a certain period of time and repaid quickly, you can not fill in the overdue amount after applying with the bank. in your credit history.
What should you do if a relatively large overdue amount occurs, such as misremembering the repayment date?
If a relatively large overdue amount occurs, pay it off After that, the negative record will still exist on your personal credit report. If you want to eliminate this record, you only need time. You need to make on-time repayments for two years to cover this record. If you need to apply for a loan during this period, There will be some impact on your business, but there is still hope if you can submit the reason for the overdue payment to the bank and prove your ability to repay.
There is another situation that everyone must pay attention to, that is, do not cancel the card after it is overdue! Overdue records do not exist with the existence of credit cards. To put it simply: overdue records will exist in everyone’s credit file. Even if the card is canceled after paying off, this record will not disappear. Not only will it not disappear , once the card is canceled, there will be no subsequent usage record. This bad credit record will always exist in everyone's file and cannot be eliminated, even after two years.
Main Features of Credit Cards
Pre-deposit of cash is not encouraged. Spend first and repay later. Enjoy an interest-free repayment period. You can repay in installments (with a minimum repayment amount). Join VISA , Master Card, JCB and other international credit card organizations so that it can be used globally.
It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent.
Has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.
It is a high-tech product integrating financial business and computer technology.
Can reduce the use of cash currency.
It can provide settlement services to facilitate shopping and consumption and enhance a sense of security.
It can simplify the collection procedures and save social labor.
It can promote product sales and stimulate social demand.
Credit card repayment methods
The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!
Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.
Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.
The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.