Jiangxi Bank’s credit card will be subject to a credit report if it is overdue for 15 days.

Credit card repayment regulations:

1. If the credit card is 3 days overdue, go to the credit report:

Credit cards have a 3-day buffer period after the repayment date. As long as the cardholder pays the minimum payment amount before midnight on the third day after the due payment date, it will not be considered overdue.

In other words, as long as the credit card is overdue within 3 days of the repayment date, it is safe. If the credit card is overdue for more than 3 days, a credit report will be filed, which will affect your personal credit record.

2. Credit card repayment balance is less than 10 yuan:

In addition to overdue credit card repayments, insufficient credit card repayments will also cause a credit report.

However, the bank has a tolerance of 10 yuan, which means that if the amount repaid by the cardholder is less than 10 yuan less than the total repayment amount, it can be regarded as full repayment, and there is no remaining balance. The small amount of repayment can be carried forward to the next repayment date. Moreover, it is not considered as an overdue credit card and will not be reported to the credit bureau.

3. Credit report is submitted once a month

The consumption repayment status of personal credit cards will be statistically reported to the People's Bank of China by the card issuing bank every month, thus forming a personal credit report Record.

Currently, banks report personal credit data once a month. Therefore, if your credit card is overdue and exceeds the 3-day buffer time, you must call and communicate with the bank in time. , try to negotiate a solution before the bank submits personal credit records.