If your credit card payment from Shanghai Pudong Development Bank is 4 days late, you may get a call and a credit report will definitely be filed.

1. As long as it is overdue, even if the bank does not call, it will be reported to the central bank for credit investigation. Past due amounts will appear on the SPD credit card record on the cardholder's correspondence. However, Pudong Development Credit Card does not mean that overdue credit will be investigated, it depends on the overdue repayment time.

2. Pudong Development Credit Card has a 3-day grace period, that is, the minimum amount can be returned before 8 p.m. The third day after the due payment date is normal repayment, and there will be no overdue payment or credit citation. But if you are 4 days late, it goes without saying that it is overdue and your credit report will be positive. Even if the repayment is immediate, as long as it is caused by the cardholder, once an overdue record is generated, it will not be revoked, but after repayment, the overdue amount will become 0.

1) The main purpose of bank phone calls is to collect debts and allow cardholders to pay off their debts. After all, the longer you are late, the more serious the consequences. Failure to promise to cardholders that credit reports will not be reported after repayment. If your bank calls, you should answer it regardless of whether the payment has been made or not. Failure to answer the call will be deemed as an intentional loss of contact by the cardholder and the bank will call that contact instead.

2) Remedies for overdue credit cards of Shanghai Pudong Development Bank. It’s best to pay it back in full and explain. If you accidentally miss the repayment date, you must repay it as soon as possible, preferably in full. Then call the bank's credit card center to report non-malicious debts. If the previous record is good, the overdue period is short, and the overdue repayment is found to be good, it may not be recorded as a bad record. In the future, you must pay attention to the bank's bill notifications and collection information to avoid overdue payments. You're better off continuing to use this card. Credit card repayment information will be rolled over by the central bank's credit reporting system for 24 months, that is, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If the card is terminated, the corresponding records will no longer be rolled over, but will be saved for the long term.

If you cannot repay your credit card, you must explain it promptly. If the cardholder cannot repay the credit card on time due to unemployment, illness or accident, etc. 3) It is best to contact the bank's credit card center before the final repayment period to explain his financial situation, explain that he does not owe the debt maliciously, and can apply for an extension Repayment and interest benefits. However, it should be noted that repayment will be guaranteed in the future as agreed. Overdue credit cards should not be ignored. Some people deal with infrequently used credit cards.