The overdue time of Bank of Communications' credit card is as follows:
1. The time-sensitive service of the credit card can be overdue for 3 days
After the credit card is repaid, the cardholder can enjoy the time-sensitive service of repayment for 3 days. As long as the cardholder returns the minimum repayment amount before : pm on the third day after the due repayment date, it is not overdue. In other words, as long as the credit card is overdue within 3 days after the repayment date, it is safe. If the credit card is overdue for more than 3 days, it is necessary to report the credit, which will affect the personal credit record.
2. The overdue records of credit cards will be reported once a month
The bank will regularly report the credit card records to the People's Bank of China every month, thus forming the credit record of the cardholder. At present, the frequency of submitting personal credit data by banks is once a month. Therefore, if the credit card is overdue and exceeds the buffer time of 3 days, you should call the bank in time to try to solve it through consultation before the bank submits personal credit records.
those who don't know their credit information only need to search: quick card test. Click Query, enter information to find your own 1-line credit data, and find this WeChat applet. The data comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, and obtain various index data, and find their own personal credit status, blacklist status, online loan application record, application platform type, online loan credit line estimation and other important data information.
to sum up, the Bank of Communications will make a credit report at the meeting when the credit card is overdue for three days, and the cardholder should pay attention to repayment on time. Only when the credit guarantee is signed, it is no problem to be overdue for three days.