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First, how long is the credit card overdue?
Most banks generally have a grace period of 1 to 3 days (this is a natural day, not a working day), and the grace period for repayment provided by banks such as Bank of China, China Merchants Bank, Minsheng, China Everbright, Ping An, CITIC, Shanghai Pudong Development Bank, Xingye and Huaxia is 3 days. The grace period of CCB can be up to 5 days, that of ABC ranges from 3 days to 9 days, that of ordinary and gold card customers is 3 days, and that of platinum card customers is 9 days. ICBC has no grace period and only needs to pay it back one day later.
Second, although many banks now provide time tolerance services, which will not be overdue for a few days, I still want to give you some suggestions:
1. It is better to repay in advance. Because the bank has a certain delay in accounting treatment, especially through the third-party payment platform, the repayment amount has not arrived in real time. For example, the grace period of China Merchants Bank is three days. If everyone pays the money on the third day overdue, sometimes it may arrive on the fourth day, which leads to overdue.
Be sure to pay back the money on time, and remember the serious consequences of overdue. You know, overdue will produce a penalty interest that will suffocate you. What's more, if the credit card is overdue for more than 5,000 yuan, overdue for more than three months, or the bank has failed to repay it after two reminders, the bank is likely to freeze your card and list you as a prohibited customer (blacklist), so that your personal credit record in the bank will be stained in the future.
Third, the specific solution:
1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;
2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;
3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;
4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.