There are two kinds of overdue credit cards, one is overdue within three days, and most of them are accidentally forgotten.

At this time, you don't have to worry, you just need to understand one word-the grace period for repayment (buffer period), usually up to three days. In other words, within three days after the deadline, it can be filled, and it can be returned and communicated in time, which will not affect the credit investigation.

The other one is not so lucky. Overdue for more than three days is overdue, which will affect the credit situation in the future. Loans and other things dealing with banks are affected.

Short-term overdue depends on the situation This situation can still be saved. Do not despair.

First of all, pay back in full at the first time, and don't cause bad debts. Pay off all outstanding loans, interest and fines. The installment or minimum repayment amount will also be repaid in full in advance. This shows that you just accidentally forgot to show sincerity, and the bank will understand if you don't run away without losing good communication.

Second, continue to use credit cards. Even if the overdue amount is greatly reduced. As long as there are continuous follow-up use records and normal repayment records. Can minimize the impact of overdue.

In addition, after 24 months of use, the expired effect almost disappeared. Your overdue record is still there, but it has been washed away by the continuous follow-up information of normal use and repayment. The attitude of banks towards this situation is completely different. Just like you once made a small mistake, and then it was normal after two years, even the harshest people will forgive you.