The credit information system of the People's Bank of China generally has a lag period of two months, which means that the loan information will be displayed in the credit information system of the People's Bank of China two months later.
Second, loans overdue, a Shanghai bank, made a credit report a few days later.
Shanghai Bank, loans overdue, 3-day meeting. According to the China Convention on Self-discipline of Bank Card Industry, CBRC suggested that banks provide time and tolerance services to credit card holders. If the cardholder owes less than 10 yuan within 3 days, it shall be deemed as timely repayment, and the bank shall remind him 3 days before the due repayment date of the credit card. Bank of Shanghai Limited, established on February 29th, 1995, headquartered in Shanghai, is a listed company on the main board of Shanghai Stock Exchange.
3. Will ICBC's online banking report on the overdue date?
Generally, banks have overdue deadlines. As long as it does not exceed this period, they will not be credited, but I suggest you repay as soon as possible to avoid unnecessary trouble.
Time tolerance expiration
In other words, if the cardholder fails to repay in time, there is a grace period, and there will be no liquidated damages for repaying the money within the grace period. However, if the cardholder fails to pay back the money after the grace period, it is likely to be uploaded to the personal credit information system.
The grace period of each bank is different. Most banks have three days (this is a natural day, not a working day).
Bank of China, China Merchants Bank, China People's Bank, China Everbright Bank, Ping An Bank, CITIC Bank, Shanghai Pudong Development Bank, Xingye Bank and Huaxia Bank repay loans.
The grace period of CCB can be up to 5 days, that of ABC ranges from 3 days to 9 days, that of ordinary and gold card customers is 3 days, and that of platinum card customers is 9 days. And the universe has no grace period.
Tolerance expiration
The so-called tolerance means that if the borrower fails to repay in the current period and pays a certain amount on the due repayment date, it should be regarded as the borrower's full repayment, and this unpaid amount will be automatically transferred to the next bill, which will not be recorded in the bad credit report. The tolerance amount is generally within 10 yuan, but different banks have different tolerance policies, such as China Merchants Bank, Communications, Huaxia, Shanghai Pudong Development Bank and Xingye.
Most bank letters are equivalent to US dollars in foreign currency, while CITIC and Ping An are below 10 yuan; Agricultural Bank stipulates that the current bill amount shall not exceed 10, and the gold and platinum cards shall not exceed 200 yuan; The standard of China Bank is not to exceed 65,438+0% or 65,438+00 yuan of the current arrears; Everbright Bank stipulates that credit card liabilities shall not exceed 100 RMB or the equivalent of US$ 20, and shall not exceed 30 yuan RMB or the equivalent of foreign currency.
4. Where is Shanghai Credit Information?
The self-service printing outlets of Shanghai credit report include: the inquiry point (counter inquiry/self-inquiry machine) of Shanghai Branch of Credit Information Center of China People's Bank;
Business Department of Shanghai Branch of Hangzhou Bank Co., Ltd. (self-inquiry machine);
Huangpu Sub-branch of Shanghai Branch of China Minsheng Bank Co., Ltd. (self-inquiry machine);
China CITIC Bank Shanghai Nanjing East Road Branch (self-service inquiry machine)