Nowadays, more and more people use credit cards as consumption cards, which shows that the popularity of credit cards is an inevitable trend. When using a credit card, we are most worried about two problems. One is insufficient balance, and the other is the credit card is overdue. So if the credit card is accidentally overdue for 4 days, can it still be used?

Can I still use my credit card if it is accidentally overdue for 4 days?

A credit card that is overdue for four days can still be used. As long as the card status is normal and has not been frozen, you can continue to use the credit card after the payment is outstanding. After the bank pays off the balance, it will formulate a repayment plan for the cardholder. The cardholder can decide whether to continue using the credit card based on his or her own situation. At present, many banks support overdue time and repayment status. As long as the cardholder passes the payment within six months, the bank will grant the cardholder a corresponding grace period.

Will a credit investigation be conducted if the credit card is overdue?

A credit report will be filed for overdue credit cards, even once. As long as there is an overdue credit card, even for an hour, the bank will upload the overdue record to the credit reporting center, causing overdue users to have bad personal credit records. However, as long as the arrears are not overdue for a long time and the amount is relatively small, in most cases it will not affect future loan business. If it is overdue for too long, it will be regarded as a malicious overdraft, and it will be very difficult to handle bank credit business in the future.