You can check your personal credit report to see if your credit card has expired. The credit report records your credit card usage. If there is an overdue card, you can definitely check it. If not, it means there is no problem with your credit.

Overdue credit card repayment refers to the situation where the final repayment period stipulated by the bank is exceeded and the consumed amount is not deposited into the designated account in full and in time. Late payment on a credit card will affect the cardholder's credit record.

At the same time, each bank will charge a certain amount of interest for overdue repayment, usually an interest of 0.5%. The starting date of interest is calculated from the date of consumption.

In addition, if the credit card holder chooses the minimum repayment method or uses the card beyond the credit limit approved by the card-issuing bank, he will no longer enjoy the interest-free repayment period and must pay the outstanding portion from the bank account. The overdraft interest will be calculated based on the specified interest rate from the date of payment.

Extended information:

According to the "Regulations on the Administration of the Credit Reporting Industry":

Article 13

Collection of personal information shall be The subject consents and no collection is allowed without the consent of the subject. However, information disclosed in accordance with laws and administrative regulations is excluded.

Information related to the performance of duties by the company’s directors, supervisors, and senior managers will not be regarded as personal information.

Article 14

Credit reporting agencies are prohibited from collecting personal information on religious beliefs, genes, fingerprints, blood types, diseases and medical history, as well as other personal information prohibited from collection by laws and administrative regulations. .

Credit reporting agencies are not allowed to collect personal income, deposits, securities, commercial insurance, real estate information and tax payment information. However, this is an exception unless the credit reporting agency clearly informs the information subject of the possible adverse consequences of providing the information and obtains its written consent.

Article 15

When an information provider provides personal adverse information to a credit reporting agency, he or she shall inform the information subject in advance. However, adverse information disclosed in accordance with laws and administrative regulations is excluded.

Article 16

The credit reporting agency shall retain bad personal information for 5 years from the date of termination of the bad behavior or incident; if it exceeds 5 years, it shall be deleted. .

During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.

Article 17

Information subjects may inquire about their own information from credit reporting agencies. Personal information subjects have the right to obtain their credit reports for free twice a year.

Article 18

If you inquire about personal information from a credit reporting agency, you must obtain the written consent of the information subject and agree on the purpose. However, this is excepted if the law stipulates that inquiries may be made without consent.

Credit reporting agencies shall not provide personal information in violation of the provisions of the preceding paragraph.

Baidu Encyclopedia - Personal Credit Record

Baidu Encyclopedia - Overdue Repayment