1. How to check the overdue credit card of China Construction Bank

1. You can use mobile banking or online banking to check. Just open the relevant services, log in to the system, and select the credit card Page to check the status of overdue credit cards.

2. You can also call the bank to check the overdue credit card information. Generally speaking, there is a customer service number on the back of the credit card. Cardholders can call this number, select manual service according to the voice prompts, and state the cardholder's ID number and card number, and the customer service will check the credit card status.

3. If it is convenient to go to the bank for enquiry, the cardholder can also bring his ID card and credit card to the bank counter for enquiry. The bank will print the details of the overdue credit card so that we know exactly what the outcome will be for the overdue credit card.

2. How long does an overdue CCB credit card affect your credit?

CCB has a 3-day grace period for repayment, and repaying the debt within the grace period will not be considered overdue. If the repayment grace period is exceeded, it is considered overdue, and the bank will upload the bad record to the personal credit system.

But not every bank has a grace period, and each bank has different rules. Moreover, China Construction Bank is not willing to give credit card grace periods. Depending on the type of credit card, the grace period given by China Construction Bank is also different. Therefore, cardholders need to make judgments based on the rules of their credit card issuing bank to avoid overdue payments.

3. What is the overdue negotiation process for CCB credit cards?

1. Call the bank’s customer service number to learn the details of the required repayment, such as the repayment amount, principal, interest and other fees. Based on these contents and combined with your own repayment ability, apply to the bank for interest suspension.

2. Submission of materials: After submitting the application for suspension of interest rates, you need to wait for a return visit from the bank. The waiting time is generally about 3-30 days, and cardholders need to prepare materials according to the bank's requirements. You can submit corresponding information based on the reason for overdue, such as unemployment certificate, hospitalization certificate, etc. Preparing relevant documents in advance can also save time.

3. After the bank reviews the materials, it will inform you whether the negotiation and repayment application is successful. If successful, we need to record the number of repayment periods, repayment amount, interest deduction, etc. in detail. It is best to record the recording and leave evidence.

As long as the credit card is not repaid when it is due, it will become overdue. If you want to inquire, you can call directly or log in to the website. As long as the overdue situation exists, it needs to be dealt with in a timely manner. If it is overdue, If you choose to ignore it later, not only will there be overdue interest and late fees, but the overdue records will also be directly included in the credit reporting system.