According to the regulations of Shanghai Pudong Development Bank, after the credit card is overdue for three days, the overdue record will be uploaded to the personal credit information system of the central bank. Under normal circumstances, Shanghai Pudong Development Bank will provide a three-day repayment grace period for customers who are not overdue. In other words, during the three-day grace period of the bank, if the cardholder pays off the balance, the credit card will not be uploaded. If the payment is not made on time within the grace period, the issuing bank will upload the overdue situation to the credit information.

Generally speaking, the credit card of Shanghai Pudong Development Bank will be uploaded for three days overdue. If the credit card has no foreign currency to repay, the cardholder can pay off the debt on the last day. If the bill has foreign currency to repay, it needs to be repaid one or two days in advance, so don't put it off until the last day. If the cardholder repays within the grace period, it will not affect the credit investigation.

How long is the overdue credit card blacklisted?

Those over three months will be blacklisted by the bank. Usually, the personal credit card bill is overdue, and the bank will collect the debtor in accordance with the relevant regulations within the first three months. If the collection is successful within three months, the bank will not take the next collection action. If the collection is unsuccessful within three months, the bank will take legal action.