The overdue credit card is the credit report at the meeting.

As long as the cardholder's credit card is overdue, the bank will upload the overdue record to the Credit Information Center of China People's Bank. However, as long as the repayment is made in time, the overdue situation is not particularly serious, and generally it will not affect the subsequent cardholders to handle credit card or loan business. However, if the repayment is delayed after the deadline, once it is overdue for more than 90 days, it will be recognized as malicious overdue by the bank, and the consequences will be very serious. The cardholder's subsequent credit business in the bank is likely to be directly rejected.

As a new credit product in today's society, credit card is very popular among users. Many young people choose to open credit cards when they first step into society. I have to say that the use of credit cards has indeed brought us a lot of convenience when their salary level is still difficult to meet the consumption level. Some people think that they are more motivated to work because of credit card arrears.

Normal use of credit cards will not have any impact on personal credit, but once the credit card is overdue, the consequences will be very serious.

Because the repayment time is up, the user has not returned the credit card, which will be uploaded to the central bank's credit information system. In the future, if users have other credit needs, such as applying for mortgage loans, they may be rejected because of their bad records. In addition, after the credit card expires, the bank will freeze the credit card account, so it is not so easy to use the credit card in the future.

If the credit card is overdue for three consecutive months and accumulated six times, it is a serious problem, and the bank will also blacklist the credit card users.

Of course, the data in the credit information system is not static, because the central bank stores a large amount of data, so it will be updated every five years. If the user repays the overdue credit card in time and ensures that there is no bad behavior afterwards, the overdue record in the credit report will also be erased five years later. In a word, while enjoying the convenience brought by credit cards, we should also plan our funds well to avoid the negative impact of overdue credit cards on our future modern life.

How much influence does overdue credit card have on personal credit record?

Yes, after you pay off the arrears, this overdue record will be kept for five years, and then it will be automatically eliminated.

One: As long as there is overdue repayment in the credit record, it will have a certain impact on personal credit. However, the personal credit report will not permanently record overdue information. As long as the overdue person pays off his debts and can maintain a good credit record for five years, anyone can start his credit record again.

Two. Although the overdue records will be kept in the credit report for five years, as long as the conditions are met, the overdue records that have been paid off will not affect the borrower's application for loans or handling credit cards:

(1) If the borrower's overdue time is less than three months, as long as the borrower can maintain a good credit record for half a year after paying off the debt. After paying off the debt for half a year, the borrower can reapply for a loan or a credit card.

(2) If the borrower is overdue for more than three months, as long as the borrower can maintain a good credit record within two years after paying off the arrears. After paying off the debt for two years, the borrower can reapply for a loan or a credit card.

It should be noted that the elimination of overdue records after five years means that the overdue records in the credit report are only retained for five years. The overdue records in the bank database are kept for life. As long as the bank wants to inquire, it can find overdue records at any time. Just to give the borrower a chance to turn over a new leaf, the bank will not check the overdue records of the borrower many years ago when conducting the audit.

Credit repair strategy:

1. Pay off the arrears and interest in time.

Lending institutions upload overdue records to the People's Bank within a certain period of time, usually once a month. Bank loans generally give a grace period of 1-3 days. Before the overdue records are submitted to the People's Bank of China, voluntary repayment, payment of overdue fees, and finding a loan institution to explain the reasons will all have the opportunity to eliminate overdue records and prevent them from being uploaded to personal credit information.

2. Issue a "non-malicious overdue certificate"

These Measures generally apply to bank loans, including bank loans and credit cards. Your bad information has been reported by the bank at this time. Therefore, if you communicate well with the bank, this certificate will show obvious value when you go to other platforms for loans. At present, what many intermediaries call credit recovery is objection complaint. Due to the limited space, I won't elaborate on the technology here.

3. Ensure a good credit record in the future.

If the previous measures are useless, then after the overdue debt is paid off, it will only be overdue in the future.

Note: If the credit card has a bad debt record of overdue repayment, don't cancel the card immediately, otherwise there is no chance to repair the bad record. We should continue to maintain good consumption habits and repair our credit records before closing our accounts.

Will it affect the loan if there is a credit card overdue record in the personal credit report?

The credit report is a personal credit information record issued by the People's Bank of China, and it is the basis for commercial banks to examine your loan qualification and credit record, depending on the personal credit record. I suggest you contact the outlets that want to handle loan business for consultation.

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.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

How to eliminate overdue records of credit cards?

How to apply for cancellation of overdue credit records?

To eliminate overdue credit records, only by applying to the central bank's credit reporting agency or credit reporting agency can qualified records be eliminated. For example, if a fake card is used to apply for loans overdue, or the repayment is unsuccessful due to problems in the lending institution system, the bank can only apply for account cancellation if it fails to inform the fee adjustment and part of the arrears are overdue.

However, if an individual is overdue on his own initiative, he will not be given the opportunity to eliminate the overdue records. He can only pay off overdue debts and wait for time to gradually smooth out bad credit. After five years, the credit information can be repaired by itself. During the repair period, if you want to borrow money or apply for a card, it is suggested to improve your credit for at least 3 months in the following ways, as follows:

1. Timely repayment: Except loans, all businesses directly linked to credit reporting belong to credit cards. Pay more credit cards. After use, the repayment shall be made before the end of the repayment date as required. It is best to repay in full if you have the ability. If it cannot be repaid in one lump sum, it should be repaid in installments according to the situation, and in any case it cannot exceed the minimum repayment amount.

2. Don't mess around: Don't apply for loans or credit cards in the short term, and reduce the number of credit inquiries. Some people may not want to borrow money, but if they want to find out how much they can have, don't order it, otherwise it may be difficult to find a credit report.

In short, whether overdue credit records can be applied for cancellation depends on the specific situation. You can't be eliminated. If you take good care of your credit information, you will have a chance to get loans and cards.

So much for the introduction of credit report and overdue credit card.