1. A credit card that is overdue for five days will produce a bad record. At present, most banks provide grace period policies to prevent cardholders from accidentally forgetting the repayment date, but the grace period of banks is basically 3 days. Overdue credit for more than three days will be recorded in the central bank's credit report and will affect subsequent credit procedures. If a credit card is overdue more than three times in a row or is overdue for more than 90 days, it will enter the central bank's credit reporting system. The consequences of an overdue credit card are serious, mainly in the following aspects:

First, failure to repay a credit card overdue is a breach of contract. The bank can require the cardholder to repay the principal and overdue interest. Late payment fees, over-limit fees, etc.; if the bank sues in court and wins, the cardholder will also have to bear the litigation costs.

Secondly, if the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay the amount overdue, this constitutes a crime of credit card fraud and he will also bear criminal liability.

Third, non-repayment after the due date will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loans and other activities.

2. If the cardholder's usual repayment record is relatively good, you can try it. Call the bank customer service to apply, eliminate the overdue record, and then inform the customer service of the reason for the delay. I didn't mean to overdue it or anything like that. After this person, be sure to maintain a good repayment record and avoid overdue payments again.

3. Impact of overdue credit card:

1. Personal credit report will be affected, and the credit report will be blacklisted

Overdue credit card will be reflected in the personal credit report The most obvious. Once overdue bad records are shown, any business involving credit reporting issues will not be handled. A credit card that is overdue 3 times in a row or a total of 6 times is considered a serious overdue. Overdue for more than 90 days is also considered serious. If you apply for a credit card, mortgage, car loan, etc., you will basically be rejected. However, if the overdue period is not long and you maintain a good repayment record after settling the debt, your credit score can be restored and it will not have much impact on your application for loans and credit cards.

2. Personal life affected

The most serious thing is those who refuse to repay the loan for a long time and refuse to negotiate. Then they will first be put on the credit blacklist, and those who still fail to repay after the expiration date will be Travel is restricted and cannot take public transportation. In serious cases, they may be prosecuted, enforced or detained. The longer the overdue period, the greater the impact. Personal credit reports will have an increasing impact on life. It is recommended to take remedial measures as early as possible to reduce the impact on credit reports.

3. The collection company continues to collect money

After the bank fails to collect money for a period of time, it will entrust a law firm to sign an entrustment agreement. The firm will distribute the information of overdue repayers to Collection companies in various places have turned into collection companies for collection.