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For example, if you are overdue on January 1, 2000, it will be overdue on January 2, 2005.

If you are overdue again on December 31, 2004 , then you have been busy these past few years in vain, understand?

In the new version of the personal credit report, if the debt has been paid off, the relevant overdue records will only be retained for 5 years, and the "stain" will be automatically eliminated after 5 years. In addition, personal information such as residential address, workplace, and annual income will no longer be displayed.

"The debt has been paid off for many years, but every time I print the credit report, I see that the overdue record is still prominent." In the future, citizens will no longer worry about such things. It is understood that starting from August this year, personal credit reports have begun to adopt a new version. In the new version of the report, only overdue records after October 2009 are still displayed, while previous overdue records have been deleted. The display period of overdue records has also been changed from the original "no period" to 5 years. If the credit card is overdue and the balance is paid off after collection, can the card still be used?

If the credit card is not overdue for a long time, after collection, the balance is paid off and the card can still be used

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Please adopt the method of how long it will take for the overdue credit report to be eliminated after paying the minimum payment amount after three overdue credit card periods

5 years! Can the minimum repayment amount of a credit card be paid off at once?

1. After selecting the minimum repayment amount of a credit card, you will no longer enjoy the interest-free repayment treatment.

2. The interest on the minimum repayment of CCB credit card is calculated from the consumption date, not from the final repayment date. Please pay special attention to this. The interest accrued on the minimum repayment amount is calculated based on the total amount of repayment in the current period, not the minimum repayment amount. After choosing the minimum repayment amount, interest will be calculated based on the daily repayment amount of the current bill starting from the consumption date.

3. The calculation formula of the minimum repayment amount is: the unpaid portion of the minimum repayment amount in the previous period + the recorded installment amount + the accumulated unpaid fees and interest + 10% of the accumulated unpaid cash withdrawal amount + the accumulated unpaid amount 10% of the consumption amount to be repaid + transaction amount exceeding the credit limit (including fees and interest) - 10% of the consumption principal to be processed in error - 10% of the cash withdrawal principal to be processed in error = minimum repayment amount No credit card required Can I pay it off if I pay the minimum payment?

You can always pay the minimum payment on a credit card, but the available balance on the card will become less and less. Because the minimum payment is repaid, there is no repayment on the bill. The credit limit is occupied and cannot be used before repayment, and the available credit limit will become less and less.

If the cardholder repays according to the minimum repayment amount, then as long as the repayment amount is not less than the minimum repayment amount (usually 10% of the current bill), it will be considered as repayment on time and will not affect the long-term payment. The cardholder's personal credit record, but unpaid bills will accrue interest. I have a credit card debt of RMB 10,000 and I only pay the minimum payment every month. How much interest will I pay if I pay it off in one year?

There is no late fee for the minimum payment. The minimum repayment amount varies from bank to bank, so the interest rate cannot be given accurately.

If you have already decided, then it depends on how cost-effective it is. There are several methods:

Paying back the lowest amount is the least cost-effective.

Calling the bank to installment the transaction is more suitable for the general public.

Cashing out is suitable for specific groups of people. , finding one with low fees will be cheaper than method 2, and you will also get a lot of points. Suitable for a small group of people who have credit card knowledge.

Make installment purchases at the bank mall on behalf of your employer or other buyers, and the installment handling fees are waived and there is no interest. Suitable for customers with special purchasing needs. (If you have an acquaintance who can do false transactions in the mall, spread the credit in installments)

I have used the last three of the above four types. How long will the record of paying off the debt and closing the account after an overdue credit card exist?

The "Regulations on the Administration of the Credit Reporting Industry" stipulates that the credit reporting agency's retention period for personal bad information starts from the date of termination of the bad behavior or incident. 5 years; if it exceeds 5 years, it shall be deleted.

When you are handling new business, the relevant departments will generally give priority to recent consumption and repayment records. If the Guangfa credit card is overdue and the card is suspended, can I pay the minimum repayment amount?

Yes, talk to the bank’s customer service or collection staff.

You can repay at a minimum or in installments. The Shanghai Pudong Development Bank Credit Card has been suspended overdue. Can I pay the minimum repayment amount?

If the card has been suspended, it is definitely not possible to make the minimum repayment.

It’s best to find a way to pay off the debt!

Generally, it is basically normal to pay three times overdue. In this case, you can apply for a credit card but the amount is very small, and you can get a loan, but the interest rate is very high.

If you have six overdue repayment records (you cannot apply for a credit card or get a loan)

If you fail to repay even once, you will enter the People's Bank of China's personal credit system. List!!!

If you are on the blacklist, you will definitely not be able to apply for credit cards and loans! (Nationally connected)

It will take 5 years to be removed from the blacklist

Don’t play with fire, quickly find a way to pay off the debt!

Personal credit inquiry: You can bring your ID card to the local People’s Bank of China credit department for inquiry (free)