After two months in arrears, the bank will call to collect the arrears and explain the interest and liquidated damages of the arrears to the cardholder. At this time, if you are not prepared to repay, it will affect your credit. If the circumstances are serious, they will be blacklisted. In the third month after the credit card is in arrears, after the bank calls to distribute leaflets, the cardholder will receive a lawsuit from the bank if he does not repay.
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If it is overdue, the impact will be many.
1. will reduce the borrower's loan amount.
2. Don't give the borrower preferential interest rate or raise the loan interest rate.
3. If there are many bad credit records, the borrower's loan application will be directly rejected.
4. It has an impact on recruitment, job hunting, renting a house, and even visas for going abroad.
5. Bad credit information will be blacklisted by the central bank, which will bring a lot of inconvenience to life.
Behavior that affects personal credit report:
1. Arrears of water and telephone charges will affect your personal credit information.
2. If the borrower's debt is too high. Most people already have car loan and mortgage repayment exceeding 50% of the borrower's monthly income, and credit card repayment exceeding 50% of the borrower's monthly income will be included in the bad credit information system.
3. The borrower applies for personal loan default. The loan principal and interest are not repaid or the guarantor is repaying; As for the recent and two-year loan extension records, they will also be included in the credit record list.
The borrower's credit card is overdue. If the cardholder forgets to repay or already owes money, the repayment amount of more than six times in a year will also be recorded.
Relevant laws and regulations "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Breach of Trust" Article 1 If the executed person fails to perform the obligations specified in the effective legal document, and under any of the following circumstances, the people's court shall include him in the list of executed persons with breach of trust and impose credit punishment on him according to law: (1) If he has the ability to perform and refuses to perform the obligations specified in the effective legal document; (2) Obstructing or resisting execution by forging evidence, violence or threats; (3) evading execution by means of false litigation, false arbitration or concealing or transferring property; (4) Violating the property reporting system; (5) Violating the consumption restriction order; (6) refusing to perform the settlement agreement without justifiable reasons.