the first point: inform the bank of non-malicious overdue. Under normal circumstances, as long as the credit card user will pay off within three days, it will not affect the personal credit status.
However, unexpected situations often occur, so that users forget to pay off the overdue within the time limit. If it is within 2 days, inform the bank that it is not malicious overdue, but forgot to repay the loan. Many bank staff will also reasonably eliminate the bad record or issue a non-malicious overdue certificate, so that our loan application will not be affected.
point 2: unexpected circumstances affect credit reporting. As we all know, the internet is becoming more and more developed, and criminals can steal and use other people's ID cards, handle various credit cards and make profits by stealing them. When receiving the notice of overdue repayment from the bank, we should first check whether it is really our own use. If it is not our own use, we can immediately file an objection application with the bank, and usually the bank will give a reply within 15 working days to eliminate our bad record information.
point three: form good habits. To prevent problems before they happen, don't wait until it is really overdue to save your credit information. In life, you should develop good consumption habits and stifle things that affect credit information in the cradle. It is best to check the personal credit report at least once a year, pay attention to your own credit information, regularly monitor whether there is anything that affects your personal credit, and save and make up for it in time.
Extended information:
1. If you apply to inquire about my credit report, you need to prepare the following materials:
1. Original and photocopy of my valid ID card, and keep the copy of my valid ID card for future reference;
2. Fill in the Application Form for Personal Credit Report Inquiry truthfully.
2. If someone else inquires about the personal credit report, the following materials need to be prepared:
1. Check the original and photocopy of the valid identity documents of the principal and agent for credit information, and keep the photocopy of the valid identity documents for future reference;
2. Letter of authorization from the principal of credit inquiry;
3. The agent truthfully fills in the Application Form for Personal Credit Report Inquiry.
Reference: Baidu Encyclopedia-Personal Credit Information System