Nowadays, more and more people apply for credit cards, which can be said to be all available. But many people don't know how to spend wisely when using credit cards, so there will always be overdue. Many people think that they will go on credit if they are overdue. In fact, overdue credit cards do not necessarily lead to credit. Then, under what circumstances can a credit card not be repaid when it is overdue? I will answer your question today.

1. Do not exceed the repayment grace period.

According to the China Bank Card Industry Self-discipline Convention, banks generally need to provide a three-day grace period for repayment. Of course, this provision is not mandatory, so the repayment grace period of each bank may be different.

As long as your overdue repayment does not exceed the repayment grace period, you will not go to the credit bureau, so you only need to pay the minimum repayment amount within the repayment grace period. But like ICBC, there is no grace period for repayment, so your ICBC credit card will be credited as soon as it is overdue.

Second, it did not exceed the "tolerance" of the bank.

China Bank Card Industry Self-discipline Convention not only stipulates that banks should provide time tolerance service, but also stipulates that banks should provide 10 yuan tolerance service. Of course, the tolerance of each bank may be different.

So even if your credit card is overdue, as long as your debt does not exceed the bank's tolerance, you will not grant credit. However, ICBC's credit card has no tolerance service, so pay attention to it.

Third, the bank did not report it.

When your credit card is overdue, the bank will report it to the central bank's credit information system, and then you will report it. The credit information submitted by the bank usually will not be reported immediately after you are overdue, so as long as you pay off the arrears before the bank reports, even if it is overdue, it will not be reported.

It should be noted here that since ICBC has no time tolerance service, once your ICBC credit card is overdue, it will be reported to the credit bureau as soon as possible. In addition, some banks will not receive credit information until the grace period of repayment, and some will not receive credit information until the next billing month.

The above are some situations in which credit cards may not be used for credit investigation when they are overdue. If your credit card is overdue, you should first pay off the debt immediately and try not to let yourself go to the credit bureau. If you can't get it at the moment, you can also negotiate with the bank.