Although credit cards are easy to use, every cardholder must abide by the principle of repayment on time. If the repayment is not made on time, a credit report will be issued. Then, the impact of the Shanghai Pudong Development Credit Card being overdue for 6 days will be Do you have a credit report? Let’s learn more below!

Will the Shanghai Pudong Development Bank’s credit card being overdue for 6 days affect the credit report?

It will affect the credit report. Under normal circumstances, Shanghai Pudong Development Bank provides free Overdue customers are provided with a three-day grace period for repayment of bills. In other words, if the cardholder pays off the balance within the three-day grace period specified by the bank, the credit report will not be uploaded. If the payment is not made on time by the end of the grace period, the card-issuing bank will upload the overdue situation to the credit report.

If the credit card does not have foreign currency to repay, the cardholder can repay it before the last day. If the bill has foreign currency that needs to be repaid, the repayment needs to be made at least 1-2 days in advance on the last day of the grace period. The grace period for repayment is extremely important. Only when the payment is received within the grace period will it not affect your credit score.

How to eliminate overdue credit card records?

1. Generally, overdue credit card records cannot be eliminated manually. If you want to eliminate them, you have to wait until the system automatically deletes them five years later. If you don’t want your overdue credit card record to have a big impact on you, then please continue to maintain a good credit record and use credit cards, and use good records to cover bad records.

2. Overdue credit card records will affect our other loans in the future, so friends who plan to buy a house or a car in the future must pay attention. If you are not maliciously overdue, you can go to the bank with relevant certificates to issue a "non-malicious overdue" certificate, which is the same as erasing the record.