When using a credit card, you must repay it on time. If it is overdue, your personal credit will not be preserved. Do you know how to use credit cards correctly? It will facilitate your current predicament and not have any negative impact on you. How much impact does an overdue credit card have on your credit report?

An overdue credit card will not only be recorded as overdue on the credit report, but also the number of overdue times will be recorded. The specific time depends on the overdue time. Generally, the overdue time of a credit card is measured in months, because bills are issued on a monthly basis. If the payment is not repaid within the prescribed repayment time each month, it is considered overdue. In addition to recording overdue debts on the credit report, bad debts may also be marked in red letters. If they are not resolved, they will be out of credit business for the rest of their lives. Tips for using credit cards

When using credit cards, you should use them in an appropriate amount, control your desire to spend, and never overspend, otherwise you will be the one who suffers in the end. However, if you want to increase your limit, you can occasionally use the minimum repayment amount to repay the loan to increase the bank's income. The bank will also increase your limit, but remember that it is only occasionally, and it must not be done frequently.

Credit card repayment is not completed until the repayment is received. Some people think that as long as they repay the money, the credit card repayment is completed. In fact, this is not the case. The completion of credit card repayment means that the payment has been received, not that it is completed after the money is paid. Because some repayment channels do not arrive in real time, even if the money is paid back in many cases, if the repayment is not received in time, the credit card will still be overdue.

Cash withdrawals and temporary quotas cannot be repaid in installments. Whether it is a temporary quota or a credit card withdrawal, it cannot be repaid in installments. The consumption part of the temporary quota and your curve part will be included in the minimum repayment amount of the current bill. The payment must be paid in one lump sum on the due date. Therefore, you must swipe your credit card rationally, especially when withdrawing cash and using temporary limits. Otherwise, it is easy to cause the credit card to expire due to inability to repay the money. Summary

Finally, I would like to suggest that you don’t apply for a credit card if you don’t need it, or check whether you have a credit card of the same type when applying. Having too many credit cards has many disadvantages and is not beneficial to you.