Will Industrial Bank report the overdue repayment for 4 days to the credit information system?

Industrial Bank's credit card is overdue for 4 days, which may affect personal credit information. Because the credit card repayment grace period is only three days, the cardholder fails to pay the minimum repayment within three days after the repayment date, which is overdue.

once the credit card is determined to be overdue, it will generate liquidated damages and interest, and it will affect the cardholder's personal credit and subsequent loan application. It is recommended to return the money to the credit card as soon as possible. When your credit card is overdue for 4 days, pay off the arrears and interest, and then contact the customer service of the issuing bank to show the other party that you didn't intend to be overdue. I hope you can try not to upload this overdue record to your personal credit report, and maybe there is a glimmer of hope to keep your credit report.

Extended information:

Overdue for 3 days

Credit card overdue will have serious consequences, and the real overdue that will cause serious consequences actually occurs after the bank reports the overdue situation to the central bank's credit information system.

generally speaking, banks have a "time tolerance" service for cases where repayment is not made on time. "Time tolerance" is the collective name of "time tolerance service" and "tolerance service" of bank credit cards.

1. Tolerance service, that is, if the cardholder fails to repay in full in the current period, and the unpaid part in the account is less than or equal to a certain amount (at least equivalent to RMB 1 yuan) after the due repayment date, it shall be regarded as the cardholder's full repayment, and this unpaid amount will be automatically transferred to the next bill.

2. Time-tolerant service, that is, providing cardholders with grace period service for repayment within a certain period; When the cardholder repays within the repayment grace period, it shall be deemed that the cardholder repays on time.

that is to say, for banks with time-sensitive services, a credit card that is overdue for one or two days will not be regarded as overdue immediately, so the cardholder can postpone the repayment date appropriately. Most banks will have a grace period of 2-5 days for repayment. As long as the repayment is made within the stipulated grace period, this situation is not overdue. After this period, banks will report the overdue repayment to the central bank's credit information system.

overdue for 3 days

If the credit card is overdue for 3 days, the consequences will be more serious. In most cases, the bank will report your overdue situation to the central bank as long as it exceeds the time limit mentioned above.

however, in some banks, if the overdue period is within 3 days, the overdue situation may not be reported to the central bank. Moreover, in order to earn more liquidated damages and interest, some banks will not collect money during this period. At this time, the cardholder can try to negotiate with the bank, explain the reasons for the overdue, provide relevant evidence of my non-malicious overdue, and pay off the arrears at the same time. Maybe the bank will not report your overdue situation again.

9 days overdue

If it is overdue for three months in a row, the consequences will be even more serious. During this period, the cardholder must have experienced various repayment collections, including bank phone calls, text messages and third-party company collections, etc. Therefore, the bank will of course regard the cardholder who has failed to repay after so many collections as malicious overdue. And if the bank thinks that it is seriously overdue and forms bad debts, then the cardholder will basically miss the loan in the future.

In addition, cardholders who are seriously overdue are likely to be held criminally liable in addition to paying interest and liquidated damages and going to the credit information system.

the repayment process of industrial credit card overdue negotiation

1. When the overdue time is about three months or exactly three months, the cardholder needs to call the Industrial Credit Card Center and hotline to make an appointment with online customer service to negotiate the business outlets and time of repayment;

2. Cardholders need to prepare the materials needed for negotiating repayment in advance, and they need to draw up a reasonable repayment plan first, which should be drawn up according to their actual economic situation, and also need to prepare relevant supporting documents;

3. Arrive at the business outlet at the appointed time to negotiate repayment with the staff, and be sure to have a good attitude when negotiating repayment;

4. after successful negotiation with the bank, the cardholder must repay each installment on time, and no overdue will happen again.

the above is related to the overdue negotiation repayment process of industrial credit card.

What should be paid attention to in the overdue negotiation of Industrial Credit Card

1. Actively communicate and negotiate with the bank. You should not lose contact after the overdue. You should actively call the bank to tell the individual's specific situation and the reasons for the overdue, and explain to the bank that the individual did not intentionally overdue;

2. You must have a good attitude after the deadline, and you need to maintain a good attitude during the communication with the bank;

3. After the negotiation is successful, it cannot be overdue again, otherwise it will have a serious impact.

This article mainly focuses on the knowledge points related to the overdue negotiation repayment process of Industrial Credit Card, and the content is for reference only.

industrial bank's credit card is overdue if it is forgotten to be repaid on the last repayment date and will not be repaid until 5 days after the repayment date?

If it is overdue, the grace period for repayment of Industrial Credit Card is 3 days. If it is more than 5 days, it is overdue. If it is only this time, the credit card has been used well before, you can try to negotiate with the bank to see if it can be cancelled for you.

Can we negotiate if Industrial Bank's credit card is overdue?

Industrial Bank can negotiate with the bank for repayment if it is overdue for three months, but the suggestion is that the bank will come directly when the overdue time is three months. Therefore, users should contact the official customer service of Industrial Bank as soon as possible after the overdue period, and then actively negotiate to make a repayment plan, so that the bank may not go when it is overdue for three months.

The overdue payment of Industrial Bank's credit card mainly has the following consequences:

1. Pay a late fee to the bank

According to the relevant regulations of the People's Bank of China, if the actual repayment amount of Industrial Bank's credit card holders is less than the minimum repayment amount after the due repayment date, the bank will charge a late fee for the minimum repayment amount that the cardholders fail to repay on time.

The proportion of late payment fees charged by Industrial Bank is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount. The minimum charging standard for late payment fees of Industrial Bank's credit cards is RMB 2 yuan or USD 3 yuan.

2. Pay penalty interest to the bank

(1) If the cardholder of Industrial Bank fails to repay in full before the final repayment date, the interest shall be calculated from the date when the consumption is recorded.

(2) interest is calculated from the date of overdraft withdrawal.

(3) calculation method of penalty interest: each consumption amount in the statement of the previous period is the interest-bearing principal, and the interest-bearing days are from the bookkeeping date to the repayment date of the account, and the daily interest rate is five ten thousandths. The interest of revolving credit will be listed in the next bill.

it's best for the cardholder to repay in full according to the amount on the monthly statement. If you repay with the minimum repayment amount, you can make your capital flow more freely without affecting your credit history under the condition of paying revolving interest.

3. Generate credit card overdue records

Overdue records refer to the records of loans, credit card overdue records and quasi-credit card overdraft for more than 6 days in the last five years; Will the cardholder handle the new credit business.

to sum up, the overdue credit card of Industrial Bank will generate penalty interest and late payment fee, and also cause bad credit records.

Industrial Bank was established in 1988 and its head office is located in Fuzhou, Fujian Province. It is one of the first joint-stock banks in China and ranks among the top 3 banks in the world. Industrial Bank Credit Card Center was established in July, 24. It is a directly affiliated institution of the head office headquartered in Shanghai, and is fully responsible for the operation and management of the credit card business of Industrial Bank.

This is the end of the introduction about the overdue Industrial Credit Card and whether the overdue Industrial Credit Card will affect the credit investigation. Did you find the information you need?