The following is a detailed explanation of this conclusion:
1. Continuous overdue for more than three months: the accumulation of three consecutive years and six consecutive years refers to a person's overdue repayment behavior in different credit card accounts for more than three months. This means that no matter whether these credit cards belong to the same bank or different banks, as long as they are overdue within the specified time, the cumulative number of times will be counted as three consecutive times.
2. Accumulating all credit cards: accumulating three times and six times in a row is to count the repayment records of all credit card accounts under the personal name. No matter how many credit cards you have, as long as one or more of them are overdue for three months or more in a row, it will be considered as three years in a row.
3. Negative impact: Three times and six times in a row is a kind of credit record, which will seriously damage the personal credit of cardholders. Once triggered, the cardholder's credit score in the credit information system will drop sharply, which will affect the credit-related affairs such as applying for loans and handling credit cards in the future.
To sum up, all credit cards in an individual's name are overdue for three months or more within a certain period of time. No matter how many credit cards are held by different banks, as long as one or more of them have this situation, it will be considered as triggering a series of three tired six, causing serious negative effects. Therefore, the cardholder must make a good repayment record when using the credit card to avoid the occurrence of three consecutive times.
Extended data:
The credit information system is led by the People's Bank of China, and the four credit information agencies are mainly responsible for the collection, collation and inquiry of personal credit information. These credit reporting agencies will record personal credit behaviors, including credit card usage and repayment records. One of the important indicators is the continuous accumulation of three times and six times. Its purpose is to remind individual users to keep a good credit record, and at the same time remind financial institutions to carefully consider personal credit situation in credit business.
Please remember that maintaining a good credit record is very important for personal financial life, and timely repayment is the key to maintaining personal credit. If the credit card is overdue, it is recommended to pay off the arrears as soon as possible and communicate with the bank to understand the consequences of overdue repayment and possible solutions.