At present, there is no bank regulation that you can't open a company account after the deadline, because opening a company account will not check your personal credit.
However, overdue will lead to the following effects:
1. The loan application is affected;
2. Applying for a credit card is affected.
I. Conditions for opening a company bank account:
To open an enterprise bank account, you need to provide the original business license, the original and copy of the legal representative's ID card, and affix the official seal. If the legal representative doesn't open an account in the bank.
It is also necessary to provide the original and photocopy of the agent's ID card, and the legal representative should issue a power of attorney to authorize the agent to open an account in the bank.
Second, matters needing attention:
Depositors of corporate bank settlement accounts can only open a basic deposit account in the bank.
Basic deposit account is the depositor's main account. The receipt and payment of funds for depositors' daily business activities and the withdrawal of wages, bonuses and cash shall be handled through this account.
The general deposit account is used to handle the deposit of depositors' loans, repayment of loans and other settlement funds. This account can be used for cash deposit, but not for cash withdrawal.
Three. Classification of public banks:
Unit bank accounts are divided into basic deposit account, general deposit accounts, special deposit accounts and temporary deposit accounts according to their purposes.
Fourth, the role:
Basic deposit account-Depositors need to open this account for daily transfer settlement and cash receipt and payment.
General deposit account-A depositor opens a basic deposit account in a banking institution other than a bank for loan or other settlement needs.
Special deposit account-a special deposit account opened by depositors in accordance with laws, administrative regulations and rules for the special management and use of their special funds.
Temporary deposit account-an account opened by depositors for temporary needs and use within a specified period of time.
The consequences of overdue credit cards are:
I. Bank Credit Card Banking Center will charge late fees and interest:
1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.
2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.
Second, the impact of credit:
1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;
2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;
3. After a certain amount and time, the bank will freeze the credit card.