1. If your overdue amount is very small and occurs without your knowledge, you can apply to the bank to cancel the bad record, and the bank will submit the application to the central bank.

2. If it is currently overdue (is overdue and has not been settled), the loan is usually not available. The borrower needs to settle the overdue loan and overdue credit card repayments before applying for a loan.

3. If the credit record is overdue, first check whether the credit record period has passed. At present, overdue records of the past 5 years are stored in the credit report. Overdue records older than 5 years will not be reflected in the credit report. Therefore, overdue loans more than 5 years ago will not affect the loan application.

4. If it is overdue within 5 years, the lending institution will review the overdue situation. Usually, if the cumulative number of overdues exceeds 6 times, or if the overdue times are more than 3 consecutive times, the loan will be refused (different banks have different standards) . If the credit card is only overdue once and is not currently overdue, it usually has little impact on the loan.

How to deal with overdue credit cards of Guangfa

1. Timely repayment is required.

Generally speaking, if the user is overdue for more than 6 months and the overdue amount exceeds 10,000 yuan, it is very likely to be sued by the bank at this time, and it will also involve credit card fraud. Credit card fraud is criminal liability.

2. Installment repayment can be negotiated.

After your credit card is overdue, you can try to contact the staff of Guangfa Bank to explain the actual situation clearly and express your willingness to repay. The bank staff may not agree to the analysis request at first. You can try to communicate several times and formulate a repayment strategy. After negotiating the repayment with the bank, it must be implemented in accordance with the agreement between both parties, and overdue payments must not occur again.

Legal Basis

Article 196 of the "Criminal Law of the People's Republic of China" stipulates that under one of the following circumstances, if the amount of credit card fraud is relatively large, The offender shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.

If the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, The person shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated:

(1) Using a counterfeit credit card;

( 2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.