1. How long is the credit card overdue?

Whether the credit card is overdue seriously depends on the degree of credit card overdue. If the credit card is overdue for less than 3 days, although it is a bad credit record, it is not seriously overdue.

if your credit card is overdue for more than 6 days but not more than 9 days, then your credit card is overdue in a moderate degree.

If your credit card has been overdue for more than 9 days, it is a very serious credit card overdue and has entered the bank blacklist.

ii. how to handle overdue credit cards

in the case of overdue credit cards, the handling method made an official response to the People's Bank of China. Zhang Hui said that he will do his best to help the overdue debtors of credit card holders, reduce the repayment pressure of the debtors of credit card overdue cardholders to an acceptable range, and let everyone who uses credit cards accept the one-month repayment quota.

Prior to this, according to the relevant provisions of the Civil Code and relevant departments, credit card holders can apply to the bank for a personalized installment repayment plan under special circumstances, with a maximum of 6 installments in five years.

3. How long can overdue credit records be eliminated?

1. At present, according to the relevant regulations of our country, the overdue record of personal credit information will be kept for 5 years when the credit card account is cancelled or stopped. Five years begins with the termination date of bad behavior of credit card debtors, so it is necessary to repay in time.

2. If the credit card is overdue, this person's credit information has a bad record, and if you continue to use the credit card account healthily, and keep the monthly healthy use record for two years. Because the current bank credit information is a rolling mechanism, you can query the usage records within 24 months at most, so that you can have a healthy usage record to cover the previous bad records.

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