Harbin Bank will not call you if your Puhui Golden Lilac Credit Card is overdue, but will usually notify you via text message.

Banks now have grace period policies for credit card repayments. Harbin Bank credit card holders will not be considered overdue if they pay off their credit card debt within three days after the due payment date. In other words, as long as the credit card is overdue within 3 days of the repayment date, it is safe. If the credit card is overdue for more than 3 days, a credit report will be filed, which will affect your personal credit record.

It takes a certain amount of time for banks to report overdue credit cards. At present, Harbin Bank reports the credit data of credit card holders once a month. Therefore, if a credit card does become overdue and exceeds the 3-day buffer time, you must call the bank in time to communicate and strive for Negotiate a settlement before the bank submits your personal credit record.