Within three days overdue: generally, credit cards have a "time-tolerant" service, that is, three or two days after the repayment is forgotten can not be considered overdue and not included in the credit investigation; If you don't enjoy this service, unless the bank is the fault party that caused the overdue, and can provide proof, the cardholder can apply to modify the credit record and cancel it.

Serious overdue: it is recommended to pay off the arrears immediately. If the total amount is not repaid, the minimum repayment amount can be repaid first without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!

It is best not to cancel the card for the extension information, because if you continue to hold the new credit record of the card, it will gradually cover the overdue after five years. If the card is returned, the overdue credit record will always exist, which is not conducive to future credit processing. Because the bank judges that your repayment ability is insufficient, it requires cancellation of the card, in case you default on repayment again.

Overdue records are generally updated once every five years. If you pay off the overdue debts and keep a good credit card record, you can reapply for a credit card after five years without affecting other personal loans.

Baidu encyclopedia-bank card