after the credit card is overdue, the credit report will classify the overdue situation of the cardholder into 1~7 grades according to the time. For example, mark 1 indicates that the overdue time is within 1~3 days, mark 2 indicates that the overdue time is within 31~6 days, and mark 3 indicates that the overdue time is within 61~9 days; Mark 4 indicates that the overdue time is within 91~12 days, and so on.
As far as banks are concerned, it is acceptable as long as the overdue time does not exceed 9 days. This situation is generally overdue. Paying off the arrears immediately after the overdue will not have much impact and will not be blacklisted. And if the overdue time is more than 9 days, it is a serious overdue, especially for those who are tired of three times, and the blacklist of the bank cannot escape.
Extended information:
Consequences of overdue credit cards
Once the overdue bad records are displayed, any business involving credit problems cannot be handled. If a credit card is overdue for three times in a row or six times in total, it is overdue with serious circumstances. If it is overdue for more than 9 days, it is also serious. If you apply for a credit card, mortgage, car loan, etc., you will basically be rejected. However, if the overdue time is not long, and a good repayment record is maintained after handling the arrears, then the credit information can also be raised, which will not have much impact on the application for loans and credit cards.
the most serious thing is that you refuse to repay the loan for a long time and refuse to negotiate, then you will be blacklisted first, and those who still fail to perform after the expiration will be restricted from traveling and unable to take public transportation. In severe cases, they will be prosecuted, enforced or detained. In a word, the longer the overdue period, the greater the impact. Personal credit report will have more and more influence on life, so it is suggested to take remedial measures as soon as possible to reduce the influence on credit report.