Current location - Trademark Inquiry Complete Network - Overdue credit card - What if the credit card exceeds one day?
What if the credit card exceeds one day?
What if the credit card is overdue for one day?

Just return it in time. If the credit card is overdue for one day, there will be no adverse effects because of the repayment ability.

It doesn't matter much if the credit card is overdue for one day. Since July, 2065438 1, many banks have started to implement credit card repayment tolerance service. The cardholder's repayment within the allowed time after the final repayment date is regarded as timely repayment, and the difference between the repayment amount and the repayment amount is less than the tolerance amount as full repayment. Generally speaking, the time limit is three days after the final repayment date, and cardholders can automatically enjoy the time limit service within these three days without any adverse consequences.

I. Definition:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.

It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Second, the classification:

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Third, other information:

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

What if the credit card is overdue for one day?

Legal analysis: if a credit card is overdue for one day, you can return it immediately. If the credit card is overdue by one day, if the credit card has a grace period for repayment, such as 1-3 days, then the user only needs to repay in time at this time, which is also considered as normal repayment. Credit cards have no grace period for repayment, only one day overdue. After the money is settled immediately, you can apply to the bank for a non-malicious overdue certificate, which can reduce the impact of overdue. Or call the customer service phone on the back of the credit card immediately, indicating that you are not maliciously overdue. If the previous repayment record is good, the bank will generally not record it as overdue. However, we can't keep expired records. Generally speaking, occasional overdue records will not have much adverse impact on users' credit information.

Legal basis: Article 676 of the Civil Code of People's Republic of China (PRC). If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations. Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.

How to remedy the overdue credit card for one day?

1. If the credit card holder forgets to repay the loan one day overdue, he can make repayment in time. In the case of one day overdue, the cardholder will not affect the personal credit information. Under normal circumstances, the issuing bank has a grace period of about three days. As long as the cardholder can repay within the grace period, it is not overdue. In other words, it generally doesn't matter if a credit card forgets to pay for one day. It is best to repay in full immediately, and contact the bank to explain that the notice is not maliciously overdue.

2. If the credit card exceeds the repayment grace period and forgets to repay, the bank accountant will charge a penalty interest. In addition, the personal overdue records of cardholders who repay outside the grace period will be uploaded to the central bank for credit information. When the credit card debt is overdue, we should actively take correct measures to recover it. It is the best way to keep a good repayment record and overwrite the original negative record with a new repayment record.

First of all, overdue repayment will lead to default interest on credit cards, and the interest will be charged at the daily interest rate of five ten thousandths, which is costly; In addition, there will be a late fee, which is generally 5% of the overdue amount. Not only that, the most troublesome thing is the personal bad credit record caused by overdue. Once a personal bad credit record is generated, it will first affect the loan application. It is understood that the average repayment of credit cards has failed more than 3 times. You can apply for a small credit card or a loan, but the interest is high. Those who repay more than six times or fail to repay once will be included in the blacklist of personal credit information system of China People's Bank. If you are blacklisted, you can't get credit cards and loans.

It is worth noting that malicious overdraft of bank cards is a crime! "Malicious overdraft" refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after being urged twice by the issuing bank. Malicious overdraft is a credit card crime. The criminal law stipulates that a malicious overdraft of more than 5,000 yuan on a credit card constitutes a credit card crime and can be sentenced to fixed-term imprisonment of not more than 3 years; Malicious overdraft of 50,000 yuan to 200,000 yuan is huge, and may be sentenced to 5 years to 10 years; More than 200,000 yuan is a huge amount, and the sentence exceeds 10 years.

What if the credit card is overdue?

If you accidentally encounter an overdue credit card, it is recommended to take the following four methods to remedy it:

1, you'd better keep using this card. After the expiration, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record.

2. Don't run late for a long time. Credit card accounts for interest and there are high late fees. If you run away, the bank will think you overdraw maliciously and call the police.

3. Inability to repay requires timely explanation. If you can't repay the loan on time due to unemployment, illness and other reasons, you can state your financial situation before the repayment period and declare that you are not malicious, and you can apply for deferred repayment and interest concessions.

4. It is best to repay in full and explain that if you forget to repay because of carelessness at ordinary times, you must repay in full as soon as possible after discovering that it is overdue, and it is best to repay in full, because calling the bank after full repayment means that it is not malicious to ask for the elimination of overdue records. The best chance is.

What if the credit card is overdue for one day?

Credit cards that are overdue for one day will basically not be used for credit investigation. I suggest you pay it back well. Unless you have an industrial and commercial credit card, you will also receive a credit report at the meeting if you are overdue for one day. If you can't turn around, you can choose the minimum repayment amount. If the minimum repayment has not arrived, you can choose to make a stop-and-go account to repay.

It doesn't matter much if it's a day late. Although you didn't arrive after the last repayment date 12 pm, it can be counted as overdue, and the bank has the right to count you as overdue and report your credit. However, major banks generally have a buffer period. As long as the money arrives at the buffer time, there is no problem. Pay attention to the arrival, not the turn.

Be sure to call the bank after the money is transferred. In case of network delay, weekend, or poor inter-bank transfer time, it is likely to exceed the specified time. Let the bank know that you have transferred the money.

You can change the overdue credit report under the following circumstances:

First, it is caused by the poor network when dealing with official business in remote places.

Second, perform special tasks, such as special police.

3. An application signed by the boss of the asset management department of the bank.

In short, the situation is really special, there are proof materials, and the mouth is outspoken.

What is the impact of overdue credit reporting?

If you use a credit card, you can generally enjoy an interest-free period ranging from 20 days to 50 days. However, if the interest-free period has not been repaid, our bill will be overdue, and the corresponding primary punishment is that we have to bear the corresponding overdue interest.

The main impact of overdue is not penalty interest, but our overdue records will be uploaded to the central bank's credit information system, so we will also leave bad records caused by overdue. If the credit information is tainted, it will have many influences, such as our subsequent mortgage and car loan, personal travel, employment and so on.

If the overdue period reaches a very serious state, it will constitute a malicious overdraft and will be convicted of a credit card crime. Sentencing standards will be implemented according to the amount of our malicious overdraft, including less than 5 years, less than 5 years of dissatisfaction with 10 year, or more than 10 year, and a fine of 20,000 yuan to 200,000 yuan, 50,000 yuan to 500,000 yuan or confiscation of property.

If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if it is overdue three times in two years, then our provident fund loan will be beyond our reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using their credit cards.

If the overdue period is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to borrow money to buy a house are overdue and have a bad record of credit investigation. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by 10% because of your credit problems. Obviously, the cost of buying a house will increase greatly. If we are overdue many times and seriously, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering the plan to buy a house in the future, it must not be overdue.

This is the end of the introduction about how to do if the credit card is overdue for one day and how to pay it back for one day. I wonder if you have found the information you need?