Detailed description:
1. overdue amount: 100 yuan or more. The overdue amount is not large, but it may still be reported to the credit information system by the bank. Banks usually decide whether to report overdue records according to the overdue period and amount, and the standard of overdue amount may be different according to bank policies.
2. Credit information record: Credit information mainly records personal credit status, including overdue credit cards, loan defaults, tax arrears and other information. In the credit report, overdue records have an important impact on personal credit evaluation, which may lead to a decline in credit score and affect personal credit status.
3. Decline in credit score: Credit score is an indicator to judge credit rating according to personal credit records, and overdue credit card records will have a negative impact on credit score. Once the score drops, it may affect the credit approval results of applying for loans, credit cards and house leasing in the future.
4. Impact period: Under normal circumstances, overdue records will be kept in the credit information system for several years, and the specific period varies according to bank policies and overdue conditions. Even if the overdue amount is not large, it is suggested to pay off the arrears as soon as possible, so as not to adversely affect the personal credit record and future credit life.
To sum up, overdue credit card repayments of more than 100 yuan may be collected, which will have a certain impact on personal credit score and credit status. Therefore, early repayment of credit card arrears is an important measure to maintain personal credit.
Extended data:
Credit investigation: Credit investigation refers to an institution that records and stores personal credit information and provides services such as credit evaluation and credit inquiry. Credit reporting institutions are mainly managed by the Credit Reporting Business Department of China Internet Finance Association, including the credit reporting center of the central bank and the credit reporting institutions of commercial banks. Credit record is an important reference for banks, credit institutions and other financial institutions to judge personal credit status.
Credit score: Credit score is a way to evaluate credit rating according to personal credit records and credit behavior. At present, the main credit scoring models are the personal credit rating model of the central bank and the credit rating model of commercial credit reporting institutions. Credit score usually affects the credit approval and interest rate conditions of individuals in loans, credit cards, leases, etc.
Overdue record: an overdue record refers to a record that an individual fails to repay debts or credit card bills on time. Banks will report overdue records to the credit information system according to the overdue period and overdue amount, which will have a direct impact on personal credit evaluation.
These are the answers to the questions. Credit card repayment overdue 100 yuan or more can be reported to the credit reporting agency. It is suggested to repay the arrears as soon as possible to maintain personal credit status.