the old version of credit information will update the credit information database once a month, but it is not a fixed day, and the interval will not exceed two months. The reporting time of each bank is different, and some banks report on the billing date of next month, so there is a buffer time. After the new version of credit information in 219 is launched, all institutions are required to submit data to the credit information center at the collection time T+1, which means that the data you collected on the 1th of this month must be reported on the 11th, so the central bank will update the credit information report this month. After the update is successful, the latest credit information will be displayed.
Credit card information:
1. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to a qualified consumer. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
2. The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the Credit Card standard is Credit Card.
3. Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can make repayment on the Billing Date.
4. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
5. from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the management of the upper and lower limits of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).
6. On May 25th, 221, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.