Legal analysis: As long as the credit card is not repaid on the agreed repayment date of the next month, the credit card is considered overdue. If the cardholder is able to repay the amount due in full before (and including) the due payment date in accordance with the pre-agreed repayment rules, the credit card is considered normal.
Legal basis:
1. Article 92 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" stipulates that commercial banks shall implement classified management of credit card risk assets. The classification standards are as follows:
(1) Normal category: The cardholder can repay the amount payable in full before (and including) the due repayment date in accordance with the pre-agreed repayment rules.
(2) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive).
(3) Sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive).
(4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).
(5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days.
Commercial banks are encouraged to adopt a more prudent classification of credit card assets on the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data calculation method have been approved by the China Banking Regulatory Commission and its relevant agencies. standards, continue to pay attention to and regularly compare important risk management indicators related to reserve accrual, risk asset measurement and other aspects, and take corresponding risk control measures.