1. Process from repayment date to credit investigation: last repayment date → grace period → overdue → credit investigation 1. Every credit card has a final repayment date. If the minimum repayment amount is not paid on this due date, is it overdue? As can be seen from the above, it depends on the bank's time tolerance policy. 2. The so-called time tolerance policy means that the bank will give you an extra grace period after the last repayment date, usually 1-3 days. As long as you make up the money within this time limit, it is not overdue! Most banks will give you a grace period of 1-3 days.
2. If we have passed the grace period and the minimum repayment amount has not been paid, it will affect the credit report. The answer is still not necessarily! When the record is uploaded to the credit report by the bank after the deadline, some banks will wait until the next billing date to affect the credit report. In other words, the next billing day is an ultimatum. During this period, you will be punished at most, and your credit will be temporarily saved. If ABC, CCB, China Merchants Bank, CITIC, Minsheng, China Everbright and Postal Savings Bank fail to pay the minimum repayment amount after the expiration, they should remember to submit the credit report overdue. Icbc is still the most car-scrapping, and it has not been discussed for a day. 2. Simply put, tolerance generally corresponds to "full repayment". If the bill is hardly paid in full, the bank will calculate that you have paid it in full, without interest. The general tolerance amount is at least equivalent to RMB 10, the tolerance amount of ICBC and the flowering period is 0, the ordinary card of ABC is within 100, and the gold platinum card is within 200.
Within 30 days overdue: one week overdue 15 days, the bank will send you a text message to repay the money as soon as possible.
Overdue for more than 30 days: more than one month or one billing day, the bank will collect it.
Overdue for more than 90 days: the bank may send relevant personnel to call for payment.
Overdue for more than 180 days: the bank will outsource your bill to a collection company for collection.
Overdue for more than one year: banks will basically go to court to sue.