How to check if a credit card is overdue?

There are many inquiry methods. Currently, there are two channels, one is the bank channel and the other is the credit information center channel.

1. For bank channels, you can log in to the personal account center of the official credit card website, and it will be displayed if it is overdue; or you can directly call the service hotline of the card issuer and ask the customer service to help check. This method is more accurate, because some banks Although the credit card is overdue, it has not yet been reported to the central bank for credit reporting. Timely repayment can save your credit.

2. Through the credit reporting center channel, directly enter the credit reporting center to obtain a personal credit reporting report. The credit reporting report will display the overdue records of credit cards/loans, and you can check the overdue information for each card. Time, overdue amount, etc. is also a relatively intuitive method.

You must repay your credit card after it is overdue. If you do not repay, your bad credit will never be eliminated. During the overdue period, you will often be collected by the bank. If it is overdue for more than 3 months, After two effective collection attempts by the bank to no avail, the overdue principal amount reached 50,000 yuan, which will be considered as a malicious overdraft and constitutes a crime of credit card fraud, which is likely to result in imprisonment.

The overdue repayment method is the same as usual repayment. You can repay through mobile banking, online banking, or third-party channels. It is recommended to use free repayment, and it is repayment. Make repayments through channels where the money is credited in real time, thus avoiding an extra day of overdue interest charges.