If CCB's credit card is overdue, please repay it as soon as possible. The earlier the repayment, the smaller the impact on the credit record. Because the actual situation of different customers is different, we will handle it according to the actual situation of customers. Please dial 95533, press the # key, and then press the voice prompt to select "3 Credit Card Service" for consultation. Long-term overdue repayment by customers will lead to overdue credit cards, and this information will be recorded in the customer's personal credit record, which may affect the application for credit cards for loans to buy a house and a car in the future. If customers are worried about forgetting to repay, they can follow "China Construction Bank" on WeChat to remind them of receipt. In order to avoid the influence of overdue repayment on personal credit, it is suggested that credit card repayment can be arranged in advance.

Tip: 1. If the credit card fails to repay in full within the time limit, interest will be charged from the date when the consumption is recorded, and compound interest will be calculated on a monthly basis. 2. If the repayment amount is lower than the minimum repayment amount, the repayment penalty shall be paid according to a certain proportion of the unpaid part of the minimum repayment amount. 3. If overdue information is generated due to the failure to return the minimum repayment amount of the credit card in full and on time, CCB will submit it to the financial information database of the People's Bank of China as required.

(In case of business changes, please refer to the actual situation. )

What should I do if my credit card is overdue for a few days?

If the credit card is overdue for one week, the user needs to settle the overdue debt first.

If you are unable to settle the arrears, you need to take the initiative to contact the bank and try to negotiate repayment with the bank. Since overdue records have been uploaded to the credit information, users can only delete overdue records by clearing overdue debts. As long as the overdue debts are not settled, the overdue records will remain in the credit information.

The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending.

Then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

What will happen if the credit card is forgotten to be overdue for three days?

Although most credit cards provide three-day service, different banks have different regulations. Please refer to the regulations of the issuing bank.

Whether a credit card will have a bad record if it is overdue for three days depends on whether the bank provides time service. If the bank provides a three-day grace period for repayment, the repayment within the grace period will not affect.

"Prescription service" refers to providing cardholders with a certain period of repayment grace period service, and the repayment grace period is at least 3 days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time. In addition to providing time tolerance services, banks also provide tolerance services. "Tolerance service" means that the cardholder fails to repay in full in the current period. After the repayment expires, if the unpaid part in the account is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), it is deemed that the cardholder has repaid in full, and the unpaid amount will be automatically transferred to the next bill.

I. Time-tolerant services Different banks have different deadlines:

1. ICBC has no time to serve;

2. Agricultural Bank is 2 days;

3. Merchants, Everbright, Ping An, Guangfa and BOC for 3 days;

4. Industrial Bank before the third day after the repayment date 18;

5. Before 20 o'clock on the third day after the repayment date, CITIC Bank; 6. The fifth day after the repayment date/before KLOC-0/7.

Second, what is the impact of the overdue credit card for three or four days?

If the credit card has a three-day repayment grace period, it doesn't matter if it is overdue for three days. 3 days overdue is still regarded as normal repayment, and 4 days overdue. Credit cards have no grace period, or the grace period is only 1-2 days. At this time, if it is overdue for 3 or 4 days, it will be recorded in the overdue record and the corresponding overdue penalty interest will be generated.

In addition, the overdue credit card will not only affect the credit information, but also affect the subsequent use, resulting in the freezing of the credit card.

3. Why didn't the bank call when the credit card was overdue?

When the credit card is overdue, the bank usually calls to collect it. However, if you are overdue for a long time and the amount is large, the bank will not allow you to repay. In this case, the collection will be outsourced to a third-party collection company for them to collect.

If it is a company collection, you must record the phone call. After all, many illegal collection companies will violently collect. If it is recorded, you can complain to the bank or other channels as evidence.

This concludes the introduction of how to deal with the three-day overdue credit card and how to deal with the three-day overdue credit card. I wonder if you have found the information you need?