Detailed description:

1. China's financial institutions usually report overdue credit cards to the personal credit information system;

2. The personal credit information system is jointly managed by the People's Bank of China and its cooperative units to record personal credit status;

3. Overdue credit card records will have a negative impact on personal credit score, which may lead to a decline in credit rating;

4. The longer the overdue time, the greater the impact on personal credit score;

5. Banks can decide whether to report to the personal credit system according to the overdue situation, and the policies of different banks may be slightly different.

Summary:

Xiamen bank credit card overdue for 5 days will be notified at the meeting. Overdue records have a negative impact on personal credit scores, and overdue credit cards should be avoided as much as possible.

Extended data:

The personal credit information system is jointly managed by the People's Bank of China and its cooperative units, and is mainly used to record personal credit status. Bad credit behaviors such as overdue repayment and default will be recorded in personal credit report, which will have an impact on personal credit rating. Banks can report overdue records to the personal credit information system according to their own policies, so that other financial institutions can refer to them in risk assessment. Individuals should consciously maintain a good credit record to avoid overdue repayment.

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