If the credit card of ABC is overdue for more than 2 days, it will be recorded in the credit record. China Agricultural Bank credit card provides a 2-day grace period for repayment. If the cardholder repays within the grace period, it is not overdue and is not credited to personal credit. However, if the repayment is made within the two-day grace period, ABC will consider it overdue, and ABC will upload the overdue records to the central bank for credit reporting, which will affect personal credit reporting.

Will overdue credit cards affect loans?

Overdue credit cards will affect loans. Credit card overdue records will be uploaded to the central bank's credit information system, which will affect users' application for loans. Of course, when banks apply for loans, they will analyze whether to grant loans to users according to the overdue degree. Generally speaking, if the total overdue times reflected in the credit report are no more than 6 times and the cumulative overdue times are no more than 3 times, the bank will think that there is no serious problem in the user's credit report and will consider issuing loans as appropriate.