As the bank introduced the credit card repayment time service, as long as the cardholder repays within three days after the last repayment date, there will be no bad record.
After the credit card repayment date, the cardholder can enjoy 3 days repayment time service. As long as the cardholder returns the minimum repayment amount before 0: 00 on the third day after the due repayment date, it is not overdue. In other words, as long as the credit card is overdue within 3 days after the repayment date, it is safe. If the credit card is overdue for more than 3 days, it is necessary to conduct credit investigation, which will affect the personal credit record.
The bank reports the credit card to the central bank's credit information system, and then forms a credit information record. At present, banks submit personal credit data once a month. Therefore, if the credit card is overdue and exceeds the buffer time of 3 days, you should call the bank in time and try to solve it through consultation before the bank submits personal credit records.
How to query the overdue records of Bank of Communications credit cards through the website of the central bank?
Cardholders must first log in to official website, the central bank's credit information center and register new users in the personal credit information system; Authentication, user activation, if successful, you will receive a short message containing the activation code the next day; Log in to the system again the next day and enter the activation code to query the "Personal Credit Report".
Inquire through the central bank outlets. Cardholders can also check personal credit information at nearby central bank outlets. You need to bring your valid ID and photocopy, and fill in the relevant inquiry application issued by the People's Bank of China. Generally, the query results will be available in 2 to 3 working days.
To sum up, the overdue credit card of Bank of Communications will produce overdue records. However, due to the repayment time service, the repayment within three days after the final repayment date of the credit card is not overdue.