Yes, if your credit card is overdue for three days, a credit report will be filed.
The details are as follows:
The first point is that three days after the credit card is overdue, the bank has the right to notify the credit bureau. According to China's personal credit reporting system, banks can report overdue credit cards to credit reporting agencies, even if they are three days overdue. Credit bureaus will record this past due date on an individual's credit report.
Second point, overdue records will have a negative impact on personal credit. Personal credit report is one of the important basis for assessing personal credit status. Overdue records will be included in the credit report and will be inquired by other banks, financial institutions and other institutions. Overdue records will lower an individual's credit rating, which may lead to a reduction in credit limit, rejection of credit card application, etc.
Third point, late payment fees and interest may accrue after three days of overdue payment. According to the credit card contract, if the cardholder pays late, the bank has the right to charge late fees and interest. Being three days overdue may trigger the incurrence of these fees, so overdue payments can place a financial burden on the cardholder.
In summary, a credit report will be issued if a credit card is overdue for three days, which will affect your personal credit rating and may incur additional charges. Therefore, timely repayment is an important measure to maintain good personal credit.
Extended information:
According to the "Interim Provisions on the Management of the Basic Database of Personal Credit Information of the People's Bank of China", credit reporting agencies can collect, save and use personal credit information and provide it to authorized persons. Institutional and Institutional Inquiries. Overdue records are one of the important information contents.
In addition, the specific overdue records of credit cards and the rules for charging late fees and interest may vary depending on the bank and specific credit card products. Cardholders should read the credit card contract carefully and understand the relevant regulations to avoid adverse effects on their credit.
The above are the answers to the credit investigation meeting when the credit card is three days overdue. I hope it will be helpful to you. If you have further questions, please feel free to ask.