The details are as follows:
1. The overdue credit card refers to the situation that the cardholder fails to repay on time or the repayment amount is insufficient. If Pufa Credit Card is overdue, it will report the relevant information to the credit reporting agency.
2. One overdue time will have a certain impact on personal credit investigation. Credit reporting agencies will register overdue records in personal credit reports, which will have a negative impact on personal credit rating.
3. The overdue records are kept in the credit report for a long time, usually more than two years. During this period, overdue records will cause trouble for individuals to apply for loans, credit cards and other financial services, which may lead to rejection of applications or low quotas.
Summary:
If the credit card of Shanghai Pudong Development Bank is overdue for one meeting, it will have a negative impact on personal credit rating. Overdue records will be kept for a long time, which may have adverse effects on personal subsequent financial business.
Extended information:
1. With regard to the handling of overdue credit cards, Pudong Credit Card generally takes the following measures: sending overdue reminder messages or phone calls, charging overdue interest, restricting the use of credit cards, and finally reporting overdue records to credit reporting agencies.
2. Both overdue times and overdue amount will affect the credit rating to varying degrees. Overdue records with a long time or a large amount have a more significant impact on credit rating.
3. individuals can take positive actions to improve their credit status, such as timely repayment of arrears, establishment of good repayment records, and avoidance of frequent application for credit cards, so as to enhance their credit rating.
the above is the relevant explanation of the credit investigation at the meeting of overdue Pudong Development Credit Card. Overdue has a lasting adverse effect on personal credit rating, so it is recommended to repay in time to maintain credit records.