Once a credit card is overdue, the most direct problem is the impact on credit reporting. After all, credit reporting records everyone’s credit behavior and can affect future car and house loans, as well as other financial transactions. , some even have an impact on their children. So how long will it take for the credit report to be affected after the credit card is overdue? Will the credit report be reported immediately after one day of overdue?

Not all credit cards will be reported to the credit report immediately after the overdue date. There is usually an approximate It is a three-day grace period, which means that these three days are regarded as the bank's grace. You can contact the bank to explain the situation. After paying off, you can ask the bank to issue a "non-malicious overdue" material. Basically, it is There will be no problem. Tip: ICBC does not have a time limit

After a credit card is overdue, it will be reflected on the credit report according to the number of days. According to a counting standard of 30 days, 30 days overdue will be recorded as "1". It is recorded as "6" at 180 days. The higher the number, the higher the impact on your future life!

And what we usually call “three consecutive overdue payments” is also an important factor affecting credit reporting. “Three consecutive” refers to overdue payments for three consecutive months, while “six consecutive” refers to the cumulative It has been overdue six times or more. In terms of nature, "continuous three" is more harmful than "tired six", because it may be regarded as "malicious", unlike "tired six" which is considered to have a certain degree of negligence.

Once a credit card is overdue, many problems will arise, especially the many contents of the new credit card regulations in 2019 last year, which should attract everyone's attention. For people with good credit in the past, this new regulation can be said to have many conveniences.

What are the specific contents?

1. The interest-free period exceeds 60 days

For some customers with good credit, it is likely that there will be interest-free services for more than 60 days, which means that the cardholder’s interest-free period will exceed 60 days. The benefits are further expanded, equivalent to 2 months of interest-free personal loans.

2. The minimum repayment has changed

In the past, the repayment was based on about 10% of the total amount. There is no clear data at present, but it is certain that it will be lower. At 10, it can reduce the repayment pressure of cardholders.

3. Withdraw existing changes

Everyone knows that the cash withdrawal business of credit cards is 50 of the total limit, but when repaying it, it must be paid in full in the same month, which can add up to The minimum repayment amount of the month will cause overdue problems if not paid in time.

The emergence of credit cards has certainly brought people a lot of convenience, but they must be used according to personal income and expenditure levels. You cannot blindly enjoy the pleasure and comfort of consumption while ignoring the pain of repayment, let alone Because of the so-called trust, you must be cautious and rational when lending your card to others!

If you do not have the ability to repay the credit card in one go after the credit card expires, you can reach a personalized installment plan with the bank. The loan can be repaid in up to 60 installments. It can not only ensure the normal life of cardholders, but also stop collections, avoid prosecution, and stop the increase in interest liquidated damages. If you negotiate to pay off the debt in installments five years later, your credit report will be automatically eliminated.

Here are a few cases of successful installments negotiated through the backend of "Xie Cheng Debt Clearance".

1. Minsheng owes a total debt of more than 23,000 yuan. After negotiation, the interest penalty of more than 1,000 yuan was reduced and then repaid in 28 interest-free installments, with a monthly repayment of 800 yuan.

2. Pudong Development Bank’s total debt is more than 40,000 yuan, which is overdue for more than three months. After negotiation, the interest penalty of more than 3,000 yuan will be reduced first, and then interest-free and divided into 34 installments, and the debt will be repaid every month. The payment is 1,200 yuan.

3. Pudong Development Bank owes more than 79,000 yuan. The bank initially gave him a plan of 9 installments. There is no way to repay it, so he asked for help through the backend