First, if there is an overdue record on your credit card and there is no credit report, it will not be a big problem. After paying off the debt, call the bank service number to tell the bank that the credit card center did not intentionally owe the debt. If you have maintained a good credit record before , and the overdue time this time is short, it is possible that it will not be registered as a bad record.

Second, if you have already registered your personal credit report, it cannot be deleted or modified. The record will be retained for five years. You can use good repayment records to overwrite the previous overdue records afterwards.

Consequences of overdue credit cards

Credit cards are credit tools provided by banks to allow qualified users to overdraft consumption in advance. After using credit cards, users need to repay on time within the specified time. Once If the cardholder commits overdue behavior, the following adverse consequences will occur:

1. Penalty interest will be incurred. After a user uses a credit card to overdraft, if the credit card debt has not been repaid beyond the credit card grace period provided by the bank, the user will be deemed to be overdue. Once overdue behavior occurs, the bank will charge overdue interest to the credit card user, and the cardholder will All monthly fees will no longer enjoy the bank's interest-free treatment. Overdue interest will be charged at a daily interest rate of 0.05%, and compound interest will be calculated on a monthly basis. The longer the user is overdue, the more overdue fees will be incurred.

Affect personal credit report. Once a credit card is overdue, the bank will upload the user's overdue record to the central bank's credit reporting system. If the personal credit report has overdue bad records, it will have a certain impact on later bank loans and credit card applications.

Collected by the bank. After a credit card is overdue, the bank will use text messages and phone calls to collect payment from the cardholder. Various collections will affect the normal life of overdue credit card users. And if a credit card user is overdue for more than 3 months, the bank may also sue the cardholder.

Criminal liability for malicious overdraft. According to relevant legal provisions, if a credit card user is overdue for more than 3 months and the overdue amount reaches 50,000 yuan, the bank can sue the credit card user for malicious overdraft. Once the court determines that the cardholder’s malicious overdraft behavior is true, then the bank can sue the credit card user for malicious overdraft. May be criminally liable for overdue credit cards