First, how many days is the credit card overdue

First of all, we need to remember that if the credit card is really overdue, it will be included in the personal credit record, which will discredit the personal credit, and the overdue record will stay in the personal credit report for five years. However, this situation can be remedied. As long as you continue to use this credit card, there will be no overdue situation, and your original overdue record will be written off by subsequent credit card records.

Although the bank can still see an overdue record when inquiring about your personal credit record, it has little impact. In applying for mortgage and other loans, you will not be stopped from lending because you have this overdue record. But if you overdue too many times, or form bad debts, you will be on the "black account".

However, if it is only one or two days late on the credit card repayment date, it is not necessarily overdue. Many banks provide "time-tolerant" service for credit card repayment, that is, it is not overdue if it is a few days late. Specifically, is it not overdue if the credit card is a few days late?

judging from the time tolerance regulations of major banks, most banks' credit cards are not overdue if they are returned three days late.

although the time limit is 3 days, the regulations of each bank are different at the specific deadline.

Among them, CCB will repay the loan in real time before 7: am on the third day after the repayment date, which is not overdue and does not charge extra fees; It is not overdue for China Merchants Bank to repay before 24: on the third day after the repayment date; Bank of Communications repays before 21: on the third day after the repayment date, which is not overdue, and ATM self-service equipment needs to repay before 18:; The repayment by CITIC Bank and Shanghai Pudong Development Bank before 2: on the third day after the repayment date is not overdue; Huaxia Bank repays the loan before 19: on the third day after the repayment date, which is not overdue.

it should be noted that we are talking about the credit cards of most banks, which give three days' tolerance, but it does not mean that all bank credit cards give three days' tolerance.

Take ICBC as an example, some credit cards give a three-day allowance, including Car Plus Card, China Resources Co-branded Card, World Struggle Card, Zodiac Credit Card, Military Soul Card, Teacher Card and Minions Card. However, some credit cards have no time limit, including ICBC Baby Growth Card, China Travel Card, Flash Cool Card, Baby Card and Chimelong Co-branded Credit Card.

for a credit card with no time limit, even if you pay one day or even one second late, it is overdue. Those who hold these credit cards will have a long snack and must repay them on time. It is best to use the savings card of the same bank to make automatic repayment, and ensure that there is sufficient balance in the account on the repayment date.

second, how to calculate the overdue interest of credit card

overdue interest of credit card = last month's consumption x overdue days. 5

There are three figures in the above formula for calculating overdue interest of credit card, namely overdue amount, overdue days and daily interest rate. The meanings of these three numbers are introduced below.

1. Last month's consumption

One thing that needs special attention is that the credit card overdue calculation limit is not the amount owed, but the consumption amount of last month. That is, if you spent 1, yuan last month, even if you have already repaid 9999 yuan, then if you owe 1 yuan, you will calculate the overdue interest of your credit card as if you owe 1, yuan.

therefore, try not to generate overdue credit cards, otherwise, if the consumption last month is very large, the base of interest calculation will be too large.

2. Days overdue

Because the overdue interest of credit cards is calculated on a daily basis, the number of days overdue of credit cards is also very important. The number of overdue days refers to the number of days from the billing date to the current billing date.

3. Daily interest rate

The daily interest rate of overdue interest on credit cards is uniform, which is .5.

3. What should I do if my credit card is frozen?

My credit card is frozen, and I need to pay off my debts as soon as possible before I can apply for unfreezing.

if the cardholder's credit card is frozen due to late repayment or repeated cashing, he should pay off all the arrears including interest as soon as possible, call the credit card center to explain the situation and apply for opening, so there should be no need to provide any materials. Never cancel the account, continue to use it for at least 2 years, and try to put an end to the above situation. If you can't repay in full before the due date, you can only repay the minimum amount, which will not affect your credit status. Usually, as long as you call the credit card customer service center to explain the situation and unfreeze it, if the overdue situation is not serious, as long as the credit card center confirms that your arrears have been paid off, it will unfreeze it for you immediately, and your credit card can be used after unfreezing.

as for the handling of personal bad credit records, according to the central bank's "Draft for Comment on Credit Management Regulations", the longest retention period of bad credit records is 5 years, but the personal credit report will only show the credit card records for 24 months. It is suggested that the card should be kept in the active state for at least 2 years after activation, so as to avoid the negative impact of bad credit records on future applications for credit cards or personal loans.

the data of credit cards, loans and guarantees will be submitted to the personal credit information system and updated monthly. No matter how few days the overdue period is, it will form a negative record, and only the degree of overdue will be indicated by figures. In addition to recording the current situation, the credit card will also record the repayment information in the last 24 months. If the account is closed and the information stops updating, it will be impossible to replace the old negative information with the new trustworthy information.

fortunately, credit cards have no accumulated items, and all overdue amounts from the beginning to the present are not recorded, so as long as they are used normally in the next two years, there will be no impact.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication case and give you detailed and targeted answers, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.