Easy to drive. Overdue is a kind of bad credit behavior. Not all overdue cases can be issued with a non-malicious overdue certificate. Therefore, whether it is easy to obtain a non-malicious overdue certificate depends on the reason and severity of the overdue. Under normal circumstances, short-term overdue behavior that is not intentional by an individual can be regarded as non-malicious overdue behavior. To issue a certificate, you need to explain the situation to the bank and provide relevant certificates. It can be issued with the approval of the bank, and it is valid only if it is stamped with the official seal of the bank. . It should be noted that if it is overdue for more than one month, the central bank will conduct a credit check at the meeting, and it will be difficult to issue a non-malicious overdue certificate.

1. Overdue repayment refers to the situation where the final repayment period stipulated by the bank is exceeded and the consumed amount is not deposited into the designated account in full and in time. Overdue payment will accrue interest and affect your credit report. In serious cases, you may be sued by the court or imprisoned. Credit cards have two concepts: billing date and repayment date (also known as the final repayment date). The billing date is the day when transactions within a billing cycle are settled, and the repayment date is a repayment period. Because it is impossible to restore the situation of your contact with customer service, it does not rule out that you misunderstood the customer service staff's explanation or the customer service staff's explanation was unclear or even incorrect. The main function of the repayment date is for banks to determine whether the cardholder has a malicious overdraft tendency and to determine the cardholder's financial status. Therefore, repayment after the final repayment date will inevitably result in an overdue record. Whether this record can be changed from the central bank requires further negotiation with the card issuing bank.

2. Generally speaking, each bank will charge a certain interest for overdue repayment. Each bank is different, usually an interest of 0.05%. However, the interest accrual date is calculated from the date of consumption, not the date after the final repayment date. It is recommended that if the entire limit is not met, you can pay the minimum repayment amount first, which will not affect the credit limit. At the same time, there will be a buffer period so that the bank can understand the flow of funds in your account in a timely manner and will not freeze the account! Credit card (Credit card) When the cardholder chooses the minimum repayment method or uses the card beyond the credit limit approved by the card-issuing bank, he will no longer enjoy the interest-free repayment period and must pay the outstanding portion starting from the bank accounting date, calculated at the prescribed interest rate. overdraft interest. Credit card is a method of payment for non-cash transactions and is a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. A credit card is a special carrier card issued by commercial banks to individuals and organizations, which allows them to shop and consume with special entities and deposit and withdraw cash from banks. It is a special carrier card with consumer credit. It is in the form of a card with the name, validity period, number, and number of the issuing bank printed on the front. Cards containing the cardholder's name, etc., and a magnetic stripe and signature strip on the back.