Detailed description:
1. In China's credit system, credit reporting means that financial institutions such as banks and credit card companies submit customers' relevant information to credit reporting agencies to form personal credit reports.
2. Postal credit card, as a credit card product, will also trigger the credit investigation mechanism when customers are overdue.
3. Usually, after the postal credit card is overdue for 30 days, the bank will submit the overdue record to the credit reporting agency, thus affecting the credit record of the cardholder.
Summary:
Postal savings credit card will receive credit information after 30 days overdue, which means that the cardholder fails to repay for more than 30 days after the repayment date, and the bank will submit the overdue record to the credit reporting agency, which will have a negative impact on the cardholder's credit record.
Extended data:
1. Credit reporting institutions refer to institutions that collect, collate, store and process credit information of cardholders and provide credit reports to financial institutions according to national laws, regulations and regulations of regulatory authorities.
2. Overdue record refers to the record that the cardholder fails to repay or fails to repay at the agreed time, which is one of the bad credit behaviors and will have an impact on personal credit evaluation.