Credit cards that are 6 days overdue will be subject to a credit investigation.

Details:

First point: Overdue credit card records will be reported to the credit bureau. Overdue credit card means that the cardholder fails to repay the loan within the agreed time and exceeds the time limit of the repayment date. Once it is overdue, the bank will report it to the relevant credit reporting agency and record the cardholder's overdue behavior.

Second point: Overdue records will have a negative impact on personal credit. Credit report is an important basis for financial institutions and other partners to evaluate personal credit status. Overdue records will be regarded as a sign of bad credit, which may lead to a decline in personal credit scores and affect the credit approval results for applications for loans, credit cards, house rentals, etc.

The third point: the longer the credit card overdue period, the greater the impact. Although the specific overdue period may vary depending on bank policies, generally speaking, the longer the overdue period, the more serious the impact on personal credit. Therefore, it is recommended to contact the bank as soon as possible and pay off the debt as soon as possible after it is overdue to avoid more serious damage to your credit.

Summary: Credit card repayments that are 6 days overdue will be reported to the credit bureau and will have a negative impact on personal credit. An individual's overdue record will be used as a sign of bad credit, which may lead to a decline in the individual's credit score and affect the credit approval results. Therefore, it is recommended that cardholders contact the bank as soon as possible after the overdue payment and pay off the outstanding balance to protect their personal credit.

Extended information: Credit reporting agencies refer to agencies responsible for collecting, organizing and providing personal credit information. The credit reporting system is mainly composed of the People's Bank of China Credit Reporting Center, the National Enterprise Credit Information Publicity System and other relevant institutions. The collection and transparency of credit information are of great significance to protecting financial order and personal rights, so overdue behaviors will be included in credit records. Cardholders should establish a good awareness of repayment and develop the habit of repaying on time to maintain good personal credit.