Overdue credit cards will definitely have an impact on commercial loans, and a good credit record is beneficial to bank loans.

How to avoid credit card overdue:

Bind automatic repayment. Cardholders can bind the credit card's issuing bank's debit card through the counter, online banking, mobile software, etc. Set it to be automatically repaid about 3 days before the due date (3 days in advance to avoid failure to arrive in time).

There must be a sufficient balance in the debit card. In addition, if there is a withdrawal during the account period, the cardholder must remember to pay some extra in addition to the automatic repayment.

Don’t worry if you don’t have time to repay. Basically, all banks have credit card “time tolerance” services. Generally, the repayment is delayed for 3 natural days, or the difference between the repayment amount and the repayment amount is less than 10 yuan. Or provide interest-free services.