1. Does one overdue repayment have a big impact on personal credit reporting?

According to the regulations of the People's Bank of China, all card-issuing banks are required to regularly upload customers' consumption and repayment records, which cannot be tampered with. .

The "Regulations on the Administration of the Credit Reporting Industry" stipulates that the credit reporting agency shall retain bad personal information for 5 years from the date of termination of the bad behavior or incident; if it exceeds 5 years, it shall be deleted (details Visible web link). When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

2. Will one overdue record affect your credit report?

An overdue record will affect your credit report.

As long as the credit card repayment is overdue, the credit reporting system will record the overdue payment, which will have an impact on personal credit reporting. However, as long as the payment is made in time, it will not affect loans and other businesses.

1. There are 13 situations that will leave bad records in the eyes of banks and affect loans:

1. Credit card repayments are overdue three times in a row and six times in total.

2. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months.

3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months in total.

4. The loan interest rate is increased, but the "monthly payment" is still paid according to the original amount, resulting in interest arrears Overdue.

5. Failure to pay water, electricity and gas bills on time.

6. Cashing out of personal credit cards.

7. Student loan arrears and non-repayment.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. Failure to pay it will result in a negative credit record.

9. Credit card overdrafts and mortgage loans are not paid back on time.

10. When providing guarantee to a third party, the third party failed to repay the loan on time.

11. Personal credit reports will also record some economic judgments. Therefore, financial problems such as delinquent debt can also affect your credit history.

12. Mobile phone deductions are linked to bank card deductions. If the relevant procedures are not completed after the mobile phone is deactivated, it will be overdue due to monthly rent arrears, which will also cause bad records;

13. Credit card arrears records are generated by someone else’s fraudulent use of ID card or ID card copy.

The above 13 types of situations will lead to a bad personal credit record of the borrower, and serious cases will be entered into the bank's "blacklist".

In addition, if a borrower is overdue in loan repayments or credit card repayments, the bank will also analyze whether the overdue is accidental. If the overdue is occasional and not for a long time, the bank will still give a discount. But in some cases, according to this bank, if the number of overdue payments exceeds 3 times, it will affect the loan.

3. Will my credit report be affected if I have an overdue record?

Pay attention to overdue credit cards. One overdue payment will have little impact on the loan as long as you repay it in time. There are 13 situations in which a bad record will be left in the eyes of the bank and affect the loan: 1. Credit card three times in a row , a total of six overdue repayments. 2. The monthly mortgage payment is overdue or not repaid for 2 to 3 months in total. 3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months. 4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest. 5. Failure to pay water, electricity and gas bills on time. 6. There is cash-out behavior on personal credit cards. 7. Student loan arrears and non-repayment. 8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. Failure to pay it will result in a negative credit record. 9. Credit card overdrafts and mortgage loans are not paid back on time. 10. When providing guarantee to a third party, the third party failed to repay the loan on time. 11. Personal credit reports will also record some economic judgments. Therefore, financial problems such as delinquent debt can also affect your credit history. 12. Mobile phone deductions are linked to bank card deductions. If the relevant procedures are not completed after the mobile phone is deactivated, it will become overdue due to monthly rent arrears, which will also cause bad records; 13. ID cards or ID copies are used fraudulently by others. Generate credit card debt records. The above 13 types of situations will lead to a bad personal credit record of the borrower, and serious cases will be entered into the bank's "blacklist". In addition, if a borrower is overdue in loan repayments or credit card repayments, the bank will also analyze whether the overdue is accidental. If the overdue is occasional and not for a long time, the bank will still give discounts, but in some cases, such as According to the bank, if the number of overdue payments exceeds 3 times, the loan will be affected.

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4. Will having one overdue record affect my credit report?

If I am overdue once but repay the loan in time, it will have little impact on the loan.

The following are 13 situations that will leave bad records:

1. Three consecutive credit cards

2. The accumulated monthly mortgage payment is 2 to 3 months Late or non-payment.

3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months.

4. The loan interest rate is raised, but the "monthly payment" is still paid according to the original amount, resulting in overdue interest

5. Water, electricity, and gas bills are not paid on time.

6. Cashing out of personal credit cards.

8. If the "Sleep Credit Card" is not activated, annual fees will still be incurred. If not paid, negative credit will be incurred

9. Credit card overdrafts and mortgage loans are not paid back on time. .

10. When providing guarantee to a third party, the third party failed to repay the loan on time.

11. Economic judgment. Therefore, financial problems such as debt arrears will also affect credit

12. Mobile phone charges are linked to bank card charges. No relevant procedures were completed after the mobile phone was deactivated due to monthly arrears.

13. Credit card arrears records are generated when someone else uses the identity card or a copy of the identity card fraudulently.

Extended information:

Generally speaking, a certain amount of interest will be charged for payment, and each bank will charge an interest rate of 5%. However, the interest calculation date is calculated from the date after the consumption is incurred.

It is recommended that if the entire limit is not met, you can pay the minimum repayment amount first, which will not affect your credit limit. At the same time, there will be a buffer period to facilitate the bank to understand the capital flow of your account in a timely manner. Freeze the account!

When a credit card (credit card) holder chooses the minimum repayment method or exceeds the amount issued by the card, he will no longer enjoy the interest-free repayment period and must pay the overdraft interest calculated by the bank for the outstanding portion.