1. Does the six-day overdue repayment of CCB's credit card affect the credit investigation?

CCB's credit card was returned six days late, and the debt was collected at the meeting. China Construction Bank credit card repayment has a repayment period, a grace period of days, and automatic repayment. In other words, repayment within the grace period at the latest will not be reported. If the repayment exceeds the grace period, it will be counted as overdue repayment, which will not only generate a high penalty interest, but also directly report the credit information, and will also affect the personal credit information.

2. What should I do if my credit card fails to repay?

1. Apply for negotiation in stages.

For users with overdue credit cards, CBRC gives them the right to apply for personalized installment. Therefore, users can apply to the corresponding bank to repay the current overdue debts in installments. In the case of reduced repayment pressure, subsequent repayment will be easier. It should be noted that if a personalized staging plan is reached, it will not be overdue again.

2. Repay part of the amount every month.

If the bank refuses to accept the user's installment repayment application, the intervention of the CBRC is still invalid, and he can pay a small sum of money every month, which shows that he is not maliciously overdue, but has repayment pressure. This will also prevent banks from suing users for fund fraud, and it is necessary to improve economic sources to pay off as soon as possible.

3. Ask friends and relatives for help.

Overdue credit cards will not only affect credit reporting, increase repayment costs, but also be collected or even prosecuted, with serious consequences. You can confess to your family and friends as soon as possible, pay back the arrears first, and then return the borrowed funds to your family and friends, so as to avoid the debt increase caused by the long overdue time.

3. What happens when a credit card is sued for overdue?

1, continuous dunning by the bank

(1) When the borrower's repayment is overdue, the customer service center of the bank credit card will call several times first;

(2) If the payment is still unpaid, the bank will entrust a third party to collect it, usually through continuous telephone calls, text messages or even door-to-door collection;

(3) After repeated dunning, the bank will sue to the court.

2. Being sued by the bank, unable to apply for a loan.

Cardholders will be added to the credit blacklist and cannot apply for loans. The court will collect the loan. After receiving the court summons, after investigation and persuasion, urge the cardholder to repay. However, if the cardholder refuses to repay, the court can take enforcement. Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property.

3. Malicious breach of contract, facing imprisonment and fines.

(1) A credit card overdue for three months can be regarded as a malicious overdraft penalty, but if you communicate with the bank in advance to prove your repayment ability and repayment plan, you will generally not face criminal responsibility.

(2) However, the cardholder who refuses to return the card after the court's judgment may face the consequences of three years' imprisonment and a fine if the circumstances are serious, especially if the circumstances are serious, he will face a longer imprisonment of three to seven years and pay a fine.

Overdue credit cards will generate overdue interest, which will also have an impact on your own credit information. However, every bank has a grace period. As long as the debt is paid off within the grace period, it has no influence on the cardholder. However, if the grace period is exceeded, even for one day, I will bear the consequences of overdue. So timely repayment can ensure that my rights and interests will not be lost.