If it has been reported, even if the arrears are paid off immediately after the deadline, it will still affect the credit investigation; If the credit card debt is paid off before the bank reports the loss, the bank will not report the loss again, thus eliminating the need for credit reporting.
However, it is said that after the new version of the credit report, the bank must report the loss immediately after the deadline, that is, the credit card is likely to be returned five days late, so don't overdue it easily.
If your credit card has always maintained a good repayment record, then the impact of overdue once should not be serious.
But if you don't pay this overdue for a long time, the impact will be quite serious. And if it is only 1 or 2 days overdue, it doesn't matter if it is paid off in time.
If the credit card is unexpectedly overdue once, as long as it is saved in time, there will be no adverse effects. If it is within the grace period of credit card repayment, there is no problem at all. If the repayment grace period is exceeded, there will be overdue penalty interest, which will be borne by the cardholder. Whether it will affect the credit information depends on your overdue time.
How to eliminate bad records after the deadline
1. Ask the bank to help delete overdue records.
Banks usually upload customers' credit card and loan repayment records to the People's Bank of China once a month, so there is still a chance to delete overdue credit card records before the bank uploads them to the People's Bank of China.
If the repayment is overdue for two or three days due to forgetting or other reasons, you can immediately contact the customer service of the bank credit card center to explain the overdue repayment in detail and ensure the repayment on time in the future. Banks are usually very reasonable and will help delete overdue records. However, the premise is that the previous credit is good and the overdue time is not long. If there have been many overdue records before, don't expect anything in this regard.
2. Require banks to issue non-malicious overdue certificates.
If it has been overdue for a period of time, and the overdue record has been uploaded to the PBOC credit information system when contacting the bank customer service, you can still communicate with the bank well. Take out a sincere attitude and the proof materials that the bank needs to convince the bank that it has not intentionally overdue, and the bank can issue a "non-malicious overdue certificate".
We are afraid of overdue records because loans will be affected after overdue. When making a loan, if the bank refuses with a bad credit, it can get a loan pass by presenting a "non-malicious overdue certificate", which is not much different from actually eliminating overdue records.
3. Waiting for overdue repayment
If the luck is really bad, even the bank can't produce a "non-malicious overdue certificate", then it can only repay the loan on time honestly, and the overdue record will be eliminated by itself. After the credit card is overdue, repay it on time and keep a good credit record. After 5 years, overdue records will disappear automatically. And banks, financial institutions and other loans generally only refer to the credit records of the last two years, that is to say, after loans overdue, repayment on time within two years will not be greatly affected.
Generally speaking, it is relatively easy to eliminate it within the bank. With a good attitude, take the initiative to explain the reasons and take remedial measures, banks will usually help customers eliminate bad credit records. Once a period of time has passed (for example, some credit cards are overdue for 90 days), negative records are updated to the central bank database, which is extremely difficult to eliminate. Of course, for the latter, it is not completely impossible to eliminate, but you need to strongly prove the fault of commercial banks.