Detailed description:

1. Banks report overdue information to the personal credit information system. Generally, credit cards can be credited if they are overdue for four days.

2. The personal credit information system is a database that records personal credit status, and banks and non-bank financial institutions have the right to inquire and refer to the information in it for risk assessment.

3. Overdue records will have a negative impact on personal credit, which may lead to difficulties in applying for loans and handling credit cards in the future.

4. if the credit card is overdue, the overdue record will be kept for a period of time after the debt is paid off, which is determined by the bank, usually several months or years.

5. It is recommended to repay the loan in time to ensure that the credit card bill is paid on time and avoid the adverse effects caused by overdue.

conclusion:

China credit card will be reported at the meeting four days after it is overdue. The overdue record will have a negative impact on personal credit. Users are advised to keep good repayment habits to avoid overdue.

Extended information:

According to the regulations on the management of basic credit information database formulated by the People's Bank of China, financial institutions are obliged to report overdue personal information to the personal credit information system. The overdue information will be recorded in the personal credit report for reference by other financial institutions. Overdue records in personal credit reports will affect the determination of personal credit rating and credit limit. Therefore, it is very important to repay the credit card arrears in time.