1. How long is the credit card overdue?
1. On the due repayment date, if the cardholder fails to repay in time, there is a grace period. If the money is paid back within the grace period, there will be no penalty interest and it will not be uploaded to the credit information system. But if you don't pay back the money after the grace period, it is likely to be uploaded to the personal credit information system.
2. The grace period of each bank is different. Most banks have three days (this is a natural day, not a working day).
3. If the cardholder fails to repay in full in the current period, and the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid amount will be automatically transferred to the next bill, and this situation will not be recorded in the bad credit report.
2. How long will credit card arrears be prosecuted?
If the credit card is overdue for more than three months, the bank will get the right to sue, but in real life, if the credit card is overdue for more than three months, the bank will not sue the customer immediately. In fact, because litigation takes a lot of time and energy, banks will not easily sue customers. Unless the customer owes a large amount of money, and there is no response to repeated reminders for a long time, and the bank can't contact anyone to repay, it is estimated that the customer will be sued and repaid to the customer as soon as possible through legal means. Of course, if the customer has been repaying the loan within the overdue period, the bank will generally not sue the customer. Of course, even if the bank won't sue for repayment, if it can't be paid off in one lump sum, it won't be good to delay for too long. It is suggested that customers who can't pay off their debts in one lump sum should take the initiative to negotiate with the bank to extend the repayment period and repay in installments, and at the same time, they can try to apply for suspension of payment. And if the bank has sued, it must pay off the arrears quickly. At that time, if the court has not accepted it, the bank will also withdraw the lawsuit.
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