3 days before 7:00 a.m. on the third day after the China Construction Bank credit card is overdue, there will be a bad record if the repayment amount has not been received. There is no need to apply for the CCB credit card repayment grace period service. As long as the repayment amount is ensured within the specified grace period, CCB will still regard it as normal repayment. Note that the repayment arrives at 7:00 a.m. on the third day after the due date, not three days after the due date.

1. Credit information system:

The credit information system of the People's Bank of China includes a basic database of enterprise credit information and a basic database of personal credit information. Among them, the basic database of enterprise credit information was started in 1997 and became available for nationwide online inquiry in July 2006. As of the end of 2014, the database included more than 10 million enterprises and other organizations, of which more than 6 million had credit records. The construction of the personal credit information basic database first started in 1999. At the end of August 2005, the network operation with all commercial banks and some qualified rural credit cooperatives in the country was completed. In January 2006, the personal credit information basic database was officially put into operation. As of 2015, the database included a total of 870 million natural persons, of which 370 million had credit records.

The main users of the central bank's credit reporting system are financial institutions, which are connected to the headquarters of financial institutions such as commercial banks through dedicated lines, and extend the terminals to commercial bank branches through the intranet system of commercial banks. Loan officer's business desk. The information sources of the credit reporting system are mainly financial institutions such as commercial banks. The information collected includes basic information of enterprises and individuals, credit information such as loans and guarantees from financial institutions, and major financial indicators of enterprises.

2. Credit background: If you borrow money from a bank, the bank needs to know who you are; it needs to determine whether you can repay the money on time; whether you have borrowed money before; and whether you have borrowed money before. Records of non-return, etc. Before the credit report appears, you need to provide the bank with a series of supporting materials: employer certificate, salary certificate, etc.; the bank's loan officer will also have to call your employer and visit your home. After two weeks or even longer, the bank will Will tell you whether to lend you money. The bank is really tired, and so are you. Borrowing money is really troublesome.