How to eliminate the bad credit record caused by overdue credit cards,
Can't be eliminated artificially.
If there is no arrears, it will be automatically covered after five years.
Handling will be affected by credit information, and whether it passes or not will be subject to the results of system audit. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.
How to Eliminate Bad Credit Records Caused by Overdue Credit Cards According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly, and cannot tamper with them. If you have used our credit card before, we will not make any bad comments on your usage record, but only give you a truthful feedback of your historical usage record without any subjective judgment. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; Those more than 5 years should be deleted (see: gov./zwgk/2013-01/29/content _ 2322231.htm). When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.
Personal bad credit card records cannot be eliminated, and the system will automatically eliminate them after five years. During this period, it is difficult to handle credit cards and loans in banks.
According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
Serious consequences of overdue credit cards:
1, resulting in overdue interest and late fees;
2. Bad credit record;
3. Banks will collect money and may face criminal problems.
Credit card overdue 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 credit card center to declare 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 has no malice, 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 will be rolled for 24 months, and the credit card overdue repayment record will be stored 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.
This cannot be deleted directly.
Personal credit records are updated every five years. As long as your personal credit record is well maintained and there are no bad records in these five years, the credit bureau will only keep the records for five years, and then delete them, and there will be no bad records in five years.
According to the requirements of the People's Bank of China, banks are obliged to truthfully fill in customer credit reports and truly reflect the overdue status of customers' credit card accounts to the People's Bank of China's credit information system. If you need to explain the overdue records in the credit report, you can go to the local people's bank to fill in a personal statement and explain the objective reasons for the overdue. The people's bank of China's credit report will not be defined as "malicious or goodwill", and whether the overdue record has an impact on other financial businesses is mainly determined by the bank that accepts this business. Credit history will not have a lifelong impact. As long as you keep good credit card and repayment habits in the future, your records will be updated over time.
Whether the monthly repayment information of the last 24 months from the inquiry date is displayed after the bad credit card records in China have been eliminated for 5 years, from which we can see which year and which month the bad credit records within 24 months are overdue, and the records before 24 months are no longer reflected monthly, but only displayed after being saved for 5 years. As long as the general bank sees that there is no bad record within 24 months before the inquiry, it can inquire about personal credit information. However, it will take five years to completely eliminate the bad records, so it is necessary to return the bad records of credit cards first and keep the good repayment records for the next month, instead of keeping the bad records for five years after the card is cancelled.