Although the credit card is processed based on our identity information, the money in it is not our own, so if you use a credit card to overdraft, you must repay it on time, otherwise overdue credit will be affected and penalty interest will be incurred. However, some banks will not notify you when your credit card is overdue, so is there any way to check? Let’s take a look below.

How to check if a credit card is overdue? There are many inquiry methods, and there are two channels, one is the bank channel, and the other is the credit information center channel. 1. For bank channels, you can log in to the personal account center of the official credit card website, and it will be displayed if it is overdue; or you can directly call the service hotline of the card issuer and ask customer service to help check. This method is more accurate, because although some bank credit cards are overdue, they are still If the loan is not reported to the central bank for credit reporting, timely repayment can save your credit. 2. Through the credit report center channel, directly enter the credit report center to obtain a personal credit report. The credit report will display the overdue record of credit cards/loans, and you can check the overdue time, overdue amount, etc. of each card. It is also a relatively intuitive method.

You must repay your credit card after it is overdue. If you do not repay, your bad credit will never be eliminated. During the overdue period, you will often be collected by the bank. If it is overdue for more than 3 months, after The bank has made two effective collections with no results, and the overdue principal amount reaches 50,000 yuan. It will be considered as a malicious overdraft and constitutes a crime of credit card fraud, which is likely to be punished. The repayment method after overdue is the same as usual repayment. You can repay through mobile banking, online banking, or third-party channels. It is recommended to use free repayment, and repayment through real-time repayment channels. This way you can avoid being charged one more day of overdue interest. The above is the relevant introduction to "How to check whether a credit card is overdue". I hope it will be helpful to everyone. In short, if your credit card is overdue, be sure not to break the bank. Pay off the debt as early as possible, and the impact will be smaller. Otherwise, the longer the overdue period is, the more interest will be generated. In serious cases, you may be held criminally responsible.