In fact, the essence of today's society is a material society, because there are really too many temptations in the real world, especially the prevalence of "advanced consumerism". Although it brings great convenience to consumers, it is also a double-edged sword. Many friends with weak self-control ability will be reckless because of blind overdraft when spending money. Only after buy buy bought a brush did he find that the credit card had become a bottomless pit. If the capital chain is broken, the credit card will expire. So how long will the credit card expire? How to eliminate overdue records of credit cards!

How many days will the credit card expire? It usually takes more than three days, but it still needs to be handled by a specific bank. At present, most banks have opened time-limited services. Previously, the cardholder could be regarded as paying back the money on time within three days after the deadline. However, the specific implementation of each bank is different. For example, the Agricultural Bank can only postpone repayment for two days, while the Construction Bank can automatically postpone repayment for five days. If you are not sure, you'd better call the official customer service hotline of the issuing bank for clarification. As long as it can be paid off within the grace period, there will be no penalty interest and it will not be reported to the central bank for credit investigation.

If the overdue time is too long, it will be reported to the central bank for credit information, which will affect your later card use and loan application, as well as the handling of other financial services. So how can we eliminate our overdue records? Try this:

1. Pay off all debts immediately, and don't try to avoid the problem, because if we keep ignoring it, the overdue penalty interest of credit cards will roll up more and more, which will bring us a heavy economic burden;

2. Continue to use this credit card after paying off the arrears, because the repayment record of the credit card will roll in the central bank's credit information system for 24 months until the bad and negative records two years ago are covered by the new repayment record;

3. If you can't repay due to unemployment or unexpected circumstances, you can take the initiative to communicate and negotiate with the bank before the repayment deadline, declare that you are not maliciously overdue, and ask the bank to postpone repayment and interest concessions.

Finally, I want to remind you that you should never cancel your credit card after paying off your debts, and you should keep using it for more than two years, otherwise your overdue record will remain on your personal credit report and cannot be eliminated, so the correct usage should be to continue using this credit card until the new credit card record covers the bad record.