a friend asked, the bank gave me a credit line of 2, yuan, but I didn't use it. Why should it be recorded in my credit report? As explained in the previous question, the credit line reflects the bank's affirmation of your credit status. During the credit validity period and credit line, you can recycle your credit card or loan, and when you return the credit card consumption or loan, the credit line will be automatically restored. Therefore, the credit line is positive information reflecting your personal credit status and should be recorded in your credit report. 57. In each billing cycle, the card issuer will generally calculate the amount that should be repaid in a billing cycle for the cardholder. The maximum debt of a credit card is the highest amount that should be repaid in each billing cycle. 58. What do you mean by "overdraft balance" and "used line"? Overdraft balance and used line reflect the current liabilities of the cardholder, which, in layman's terms, indicates how much the cardholder owes the bank. The overdraft balance is for quasi-credit cards, while the used limit is for credit cards. Note that this data item includes principal and interest. 59. What is overdue? Overdue, that is, overdue, means that the repayment has not been made in full by the deadline of the repayment date. It is particularly important to note that the following situations are overdue and will be recorded in the personal credit report: (1) repayment is one or two days later than the due repayment date; (2) After the due repayment date, the customer paid off the debt after the bank staff called for payment; (3) The customer has repaid the loan before the due repayment date, but it has not repaid the loan in full because it is not clear about the specific amount to be repaid. The repayment date of different commercial banks may be different. Customers should pay attention to timely and fully depositing the repayment amount before the repayment date of their loans, or go to the bank counter to handle the repayment business on time to avoid overdue. China People's Bank Wuhan Branch 16