1. How to check the overdue credit card of CCB?

If you need to check whether the personal credit card of CCB is overdue, you can check the personal credit report by logging into the online personal credit inquiry system of the People's Bank of China. If there is an overdue record of CCB's credit card, it will be displayed in the personal credit record.

at the same time, you can also go to the credit information hall of the local people's bank, and you can query the personal credit information report by providing the original ID card.

In addition, the mobile banking client of China Construction Bank and the online banking of China Construction Bank can only inquire about the available credit card amount and whether there are outstanding arrears, but it is temporarily impossible to inquire about the overdue credit card through these two channels.

second, how long does the overdue credit card affect credit?

banks have a three-day grace period for repayment, and it is not overdue to repay the arrears within the grace period. If the repayment grace period is exceeded, it will be overdue and the bank will upload the bad records to the personal credit system.

But not every bank has a grace period, and every bank has different rules. Moreover, the grace period of CCB's credit card is also unwilling. According to the different types of credit cards, the grace period given by CCB is different. Therefore, cardholders need to make judgments according to the rules of their own credit card issuing banks to avoid overdue.

3. what is the negotiation process for overdue credit cards?

1. Call the customer service phone of the bank to find out the details of repayment, such as repayment amount, principal, interest and other expenses. According to these contents, combined with their own repayment ability, apply to the bank to stop interest payments.

2. submission of materials: after the application for suspension of interest payment is submitted, you need to wait for a return visit from the bank. The waiting time is generally about 3-3 days, and the cardholder needs to prepare materials according to the requirements of the bank. You can submit relevant materials according to the reasons for overdue, such as unemployment certificate and hospitalization certificate, and prepare relevant documents in advance, which can also save time.

3. After reviewing the materials, the bank will inform whether the repayment application is successful. If it is successful, it is necessary to record the number of repayment periods, repayment amount, interest deduction, etc. in detail, and it is best to record it and leave evidence.

card holders don't know whether they have overdue behavior, so they can call customer service for consultation, or they can directly go to the business hall of the bank where they handle the card to confirm that they have overdue behavior, and they should pay off their debts as soon as possible, otherwise, if the overdue time exceeds three months, they will not only have to pay more interest and liquidated damages, but also be sued by the bank.