Pay off the arrears in time, take the initiative to explain the situation to the bank and keep the account normal; Don't cancel your card just because it is overdue, so you will lose the opportunity to repair your credit. After the credit card is overdue, you should continue to use it normally, spend more, repay it on time, and replace the overdue record with a new repayment record; Don't lose contact after the deadline, or you may get lost.
Extended data:
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards. Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.
After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.
The credit report is based on the Report on the Development of Credit Information Industry in China (2003-20 13) issued by the People's Bank of China, forwarded by the Central People's Government of People's Republic of China (PRC). It is a way to collect, sort out, save and process the credit information of natural persons, legal persons and other organizations according to law.
In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report.
What if the credit card is overdue?
If the credit card is overdue, the overdue bill should be paid off within the grace period of bank repayment. If it is overdue, there is a risk. Those who maliciously overdraw will be investigated for criminal responsibility according to law. According to Article 6 of Gao Liang's Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than three months after being effectively reminded twice by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. The purpose of illegal possession should be judged according to the cardholder's credit history, repayment ability and willingness, the application and overdraft of credit cards, the use of overdraft funds, the performance after overdraft, and the reasons for not repaying according to regulations. It is not allowed to identify the purpose of illegal possession just because the cardholder fails to repay the loan according to the regulations. Article 18 of the Measures for the Administration of Credit Card Business: The maximum overdraft period of a credit card is 60 days. Article 68 of the Measures for the Administration of Credit Card Business: If a cardholder maliciously overdraws, he shall be investigated for criminal responsibility according to law.
What if the credit card is overdue?
What if the credit card is overdue for one month? Now it is imported from Bian Xiao.
1. State your financial situation, declare that you have not defaulted maliciously, and apply for deferred repayment and interest concessions. What if the credit card is overdue? State my financial situation, declare that I have no malicious default, and apply for deferred repayment and interest concessions.
2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount, monthly repayment amount, etc. acceptable to both parties.
In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.
3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center and declare the non-malicious arrears. If the previous record is good,
And the overdue time is short, and it is found that the repayment situation after the overdue is good, which may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.
4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used for termination, the corresponding record will no longer be available.
Scroll, but keep it for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.
Second, what will happen if the credit card is overdue for one month?
The bank will charge a late fee and interest, and the late fee will be calculated at 5% of the unpaid part of the minimum repayment amount. The specific calculation formula is: late payment fee = (minimum repayment amount-paid amount on due repayment date) ×5%, with minimum and maximum limits. At the same time, the bank will charge interest of five ten thousandths of the credit card bill every day.
If the cardholder fails to repay the minimum repayment amount before the due repayment date (inclusive) notified by the bill of the current month, the card center collector will collect the account on the second day of the next billing date; If the customer still fails to pay off the minimum repayment amount within the specified time, the system will automatically send a reminder letter or a reminder by the dunner according to the telephone collection of the account and the actual arrears. In case of the following circumstances, the bank will come to collect the money:
1. Letters and telephone calls are invalid, two cycles (60 days) beyond the last repayment date (overdue);
2. Unable to contact by phone or letter;
3. It is found that there is a high risk possibility of letter collection or telephone collection.
How to deal with overdue credit cards?
Repay first.
In fact, as long as there is a record of overdue repayment, it will affect personal credit information. Do not distinguish whether it is maliciously overdue. The record of overdue repayment shall be kept until the arrears are paid off in the fifth year.
If payment is made in time after the deadline, the card can still be used. The cardholder can use the card normally, repay the loan on time, and cover the overdue record with the card for 2 years.
In addition, a considerable number of card issuers have stopped issuing non-malicious overdue certificates. If the cardholder applies for a loan, the lending bank needs to issue this certificate and then contact the credit card issuer.
In addition, in the past two years, the number of overdue times has exceeded 6 times, or overdue for more than 90 days. It is generally easy to refuse to apply for a new card or loan. It has nothing to do with malice or not. Just look at the length and frequency of overdue.
1. Some people don't use credit cards often. The credit card is overdue, and they intend to ignore it completely, neither paying back nor canceling it. This practice is very wrong.
2. If the credit card is overdue, the credit card center of the issuing bank will collect it. Because of ignorance and blind arrogance, some people not only don't pay back the money, but also "run away" by changing their addresses and mobile phone contact information, so that banks can't contact themselves, thinking that they can't help. In fact, this practice is absolutely not desirable.
3. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other unexpected circumstances, before the deadline for repayment comes, the cardholder had better take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment and interest concessions.
4. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount, monthly repayment amount, etc. acceptable to both parties. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.
5. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record.
6. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time.
What if the credit card is overdue?
1, you'd better keep using this card. After the expiration, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record. 2. Don't run late for a long time. Credit card accounts for interest and there are high late fees. If you run away, the bank will think you overdraw maliciously and call the police. 3. Inability to repay requires timely explanation. If you can't repay the loan on time due to unemployment, illness and other reasons, you can state your financial situation before the repayment period and declare that you are not malicious, and you can apply for deferred repayment and interest concessions. 4. It is best to repay in full and explain that if you forget to repay because of carelessness at ordinary times, you must repay in full as soon as possible after discovering that it is overdue, and it is best to repay in full, because calling the bank after full repayment means that it is not malicious to ask for the elimination of overdue records. The best chance is. Cardholders should pay attention to their own card habits, and use their cards reasonably and legally: 1) Handle credit cards through formal channels and know the credit card treaty. 2) Return the credit card overdraft limit on time. Once overdue, the interest and penalty interest generated are often huge, even several times higher than the principal. 3) Never use a credit card with malicious overdraft, otherwise it will violate the criminal law and constitute a crime. 4) Once the credit card is stopped, it should be cancelled in time, otherwise it will continue to generate annual fees, resulting in bad records in the personal credit information system. You can't refund a credit card unless you do it yourself. These problems should be considered in advance when you use the card. If this person has been arrested by the judicial authorities because he has not returned his credit card, it means that all kinds of dunning methods used by banks have not allowed the parties to repay in time. If he refuses to pay back, the public security organ can only deal with it according to law.
This is the end of the introduction about how to do overdue credit card bills and how to do overdue bank cards and credit cards. I wonder if you have found the information you need?