After all credit card debts that are overdue for 90 days are paid off, the credit report will show a certain record, but the available limit will still be retained on the card.
The details are as follows:
1. Credit report: Although the debt has been paid off, the record of a credit card that is overdue for 90 days may remain in the credit report for a period of time. This record will have a certain negative impact on an individual's credit evaluation, but as time goes by, the impact gradually decreases.
2. Repayment record: The repayment behavior will be reflected on the credit report, showing information that all credit cards are paid off after 90 days of overdue. This shows the enthusiasm and ability to repay, which will have a certain positive impact on credit evaluation.
3. Unpaid balance: Even if the balance has been paid off, the available balance on the credit card still exists. Overdue only means late payment and does not involve the usage of credit card limit. Therefore, after paying off the balance, the amount available on the card will remain the same.
Summary: After all credit card debts that are overdue for 90 days are paid off, there will be certain negative records in the credit report, but the positive behavior of repayment will also be displayed in the report. The available credit limit on the card will not be reduced due to overdue payment and will still be retained.
Extended information: According to China's financial regulations, credit cards will be dealt with in different ways after they are overdue, including including them in the credit report, charging penalty interest, etc. Being overdue for more than 90 days will have a more serious impact on your personal credit record, so timely repayment is very important to help protect your personal credit.
It should be noted that due to differences in personal circumstances and different policies of financial institutions, specific situations may vary. It is recommended to keep abreast of the specific policies of your credit card and maintain good repayment habits to maintain a good credit record.