The preliminary examination is a rough screening of the system, and the final credits will be transferred after the interview. The first trial of credit card refers to the staff inquiring, printing and checking whether the applicant's information is true, valid and free from defects in the credit information system of China People's Bank and the identity verification system of the Public Security Bureau. Then call the qualified customers to verify the relevant information in the application form again. Finally, fill in the form passed in the preliminary examination and submit it to the next link.

：

Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned. Some people in loans overdue will receive credit information at the meeting, while others will not. Such as bank loans, some small loan companies, online loans and so on. Will report credit information. Although some loan companies don't report credit information, don't take any chances. Once the loan company is overdue, it may cooperate with other financial institutions connected to the credit information system to upload overdue records. Some banks implement floating adjustment of interest rates, especially mortgage loans. If the mortgage interest rate is raised, the owner will still repay according to the original repayment amount, which will easily lead to overdue. Credit cards have two concepts: billing date and repayment date (also known as the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle.

Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect. The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank. Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date. It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account. When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.