The overdue amount and time of credit cards will be timely, objectively and truly reflected in the personal credit database of the People's Bank of China, and will be used by commercial banks and other legally authorized institutions in the form of personal credit reports. Whether the credit card overdue repayment record will be regarded as a bad record by commercial banks, thus affecting the loan or credit card application, is based on the different credit risk policies of banks, including the different overdue time, overdue amount and overdue times of credit cards.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

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