In case of overdue, the time for each bank to report to the central bank for credit investigation is different: it depends on whether the issuing bank provides time tolerance service.

ICBC, for example, will report to Hitachi immediately if it exceeds the repayment. However, most banks provide time-tolerance services for credit cards, such as Agricultural Bank, China Construction Bank and Bank of Communications, which usually take 2-3 days. Bank of China, Shanghai Pudong Development Bank and China Guangfa Bank will wait until the next billing day to receive credit information.

If the last repayment date has just been missed, most banks will have a grace period of one or two days, and generally will not submit a credit report. Repay as soon as possible! If you really have no money, you can call the bank's customer service phone and apply for an extension, so that you won't go to the credit.

if the last repayment date is more than one week, and there is no repayment (as long as the minimum repayment amount is paid, the credit will not be reported, and only the late payment fee will be paid), the bank will submit the overdue record to the central bank's credit information system, which will be irreparable.

Generally speaking, it is overdue if the credit card is not repaid on the due date, but the bank will still give the cardholder a grace period, usually three days. If the cardholder can pay off the loan within the grace period, the bank will not upload the bad record to the credit information system. If the cardholder has not paid off the loan after the grace period, the bank will upload the bad record to the credit information system.

If the cardholder's overdue record has been submitted for credit investigation, then the cardholder must remember not to cancel the card or sit idly by, and must pay off the debt as soon as possible to eliminate the overdue record of the credit card.

generally speaking, according to the latest regulations on the administration of credit information industry, if there is no bad record before, and you continue to use it and keep a good record during the period, the overdue credit information record of credit card can be eliminated after 2 years. If you have a bad record that is overdue, continue to use it and keep a good record during the period, it will take 5 years for the overdue credit record of credit card to be eliminated.

credit card overdue will be collected at the meeting! And serious cases will be caused by civil litigation! Large expectations will lead to criminal proceedings and bear criminal responsibility!

What friends who use credit cards are most worried about is that their credit cards are overdue;

Because once overdue happens, the cardholder will not only bear a high penalty interest, but also leave a stain on personal credit information, and poor credit information will have an impact on future card processing and loans;

Although everyone supports the seriousness of overdue, there are still many card users who are overdue for various reasons during the process of using the card. So how long will the credit card be overdue?

the essence of credit card is actually a personal credit loan product of the bank, and the credit business of the bank is all about credit reporting at the meeting;

Therefore, after the credit card is overdue, the bad records will be uploaded to the central bank's credit information system, and the credit information time of each bank will be slightly different;

Generally speaking, the time for banks to collect credit information in 219 can be divided into the following three categories:

1. Collect credit information immediately after the repayment date.

For example, ICBC immediately applied for credit information. At present, ICBC does not provide credit card holders with a grace period for repayment.

Therefore, as long as the borrower fails to make repayment on the final repayment date specified by ICBC, or the repayment amount is less than the minimum repayment amount, ICBC will regard the cardholder as overdue;

Therefore, ICBC credit card users must pay attention to repayment on time. Once the repayment date has passed, overdue records will be reported to the credit bureau.

2. Credit investigation after the grace period.

except for ICBC, most banks provide cardholders with a grace period for repayment, usually about 1-3 days;

The so-called repayment grace period means that the cardholder still has 1-3 days to repay the arrears after the repayment date. As long as the user can pay off the arrears within the grace period, the bank will consider the cardholder to repay on time.

however, if the repayment grace period is over, the credit will be collected. For example, the Agricultural Bank, China Construction Bank, China Merchants Bank, Bank of Communications, China CITIC Bank and other banks will collect credit information after the grace period.

note that the grace period varies from bank to bank, and some banks require cardholders to call the customer service hotline to apply for the grace period.

3. Credit will be collected on the next bill day.

all commercial banks report their credit information to the central bank once a month, so it takes some time to report the credit information. Some banks may upload the cardholder's overdue records to the central bank for credit information on the next billing day after the user is overdue.

For example, Shanghai Pudong Development Bank, China Guangfa Bank, Ping An Bank, etc. all report their credit information on the next billing day, so if the cardholder accidentally fails to do so, there may be a chance to recover the bad records before the bank reports them to the central bank's credit information system;

It is suggested that overdue users pay off their debts as soon as possible, and then take the initiative to contact the bank to explain to the bank staff that they are not maliciously overdue and request the bank to delete the bad records;

as long as the cardholder's reasons are sufficient to convince the bank staff, it is possible to delete the bad records before reporting the credit information.

If the credit card belongs to a bank with a grace period of more than 2 days, you are lucky that the bank that repays more than 2 days will not report the overdue records to the personal credit information system of the People's Bank of China.

If the bank mentioned in the credit card has no grace period or only one day, it will definitely report it to the credit information system.

But only one bank, Cosmos Bank, has a credit card grace period of , which is mainly because the interest-free period of ICBC is longer than that of other banks, so there is no grace period.

the credit card grace period of guangfa bank is only one day, that of agricultural bank and bank of east Asia is only two days, and that of other banks is three days.

It is worth noting that the grace period of most banks is not at 24 o'clock on the last day, so it is necessary to avoid repayment beyond the specified time.

Finally, I'll tell you a small coup: to avoid overdue credit cards, pay a minimum repayment as soon as the credit card billing date comes out;

Next, just return the remaining bill money on the repayment date, so it doesn't matter even if you forget to repay it for a day or two. Anyway, it has been repaid to the lowest level, and no bad record will be left.

overdue credit cards are very common, especially for friends with multiple credit cards. However, although they are not maliciously overdue, as long as they are overdue, they will have various consequences, such as credit reporting, penalty interest and liquidated damages. So some people will ask, will the credit card be credited when it is overdue? This needs to be discussed in different situations

This needs to be discussed in different situations, which can be generally divided into three situations

1. If the repayment is not made on the last repayment date, but the overdue time is within the grace period, this situation is not really overdue, and it will not be reported. After all, most banks can provide time tolerance service, in which time tolerance is what we often call the grace period for repayment, which is usually three days at most, that is, within three days after the final repayment date. As long as the arrears are paid off, it is not overdue, and naturally it will not be reported.

2. The overdue time exceeds the grace period, but the bank has not reported it to the central bank. This is really overdue, but if the bank reports the overdue behavior of the cardholder to the central bank for credit investigation after the deadline, it will report the credit investigation, otherwise it will not affect the credit investigation. It should be noted that the reporting time of each bank is different, some are reported before the monthly bill, and some are reported on T+1. It is best to consult the customer service of the issuing bank after repayment.

3. If the overdue time exceeds the grace period, the bank will report to the central bank for credit investigation. The second point of the principle has been mentioned, so I won't go into details here.

Here's an example to explain in detail:

Suppose your credit card billing date is February 23rd, and the repayment date is March 1th. The bank provides a three-day grace period and reports it to the central bank for credit investigation before the monthly billing date. Then: You forgot to pay back before October 1th. If you pay back the money before the 13th, you will not receive interest or credit information.

if you pay off before March 23rd (the next billing date), you will not receive the credit report, but you will incur penalty interest and liquidated damages. If you repay the loan after March 23, it will go to the credit information system, and there will be penalty interest and liquidated damages.

Yes, as long as it is overdue, it will definitely be used for credit investigation. Once it is used for credit investigation, it will be kept for 24 months, that is, two years. You need to keep using this credit card to keep spending and form a good record to cover up the bad record.

on the issue of overdue repayment, most banks have provisions on time tolerance and tolerance. Time tolerance means that banks have a time tolerance for overdue cases, that is, to provide borrowers with a certain grace period.

if you pay off the arrears within the grace period, the bank will not report your overdue records to the central bank's credit information system. However, this grace period is different for each bank. Some banks have no grace period, and some have 3 days, 5 days and 7 days. You have to consult the bank to understand the situation.

1. You must attend, which is stipulated by the CBRC.

2. If you attend a credit inquiry, you can file a complaint

3. In fact, you can communicate with the submitting bank to cancel it. The general rule is that whoever submits it will cancel it.

5. The first-generation credit inquiry system is submitted once a month. The second-generation credit information system is submitted the next day

6. Credit is the future financial passport, and personal credit assets are the intangible assets of the main body. It is an essential artifact for everyone to build a good credit system and build a good credit foundation.

After the credit card is overdue, you must never cancel the account.

The repayment record of a credit card is generally displayed within 24 months. During this period, you can remember clearly which year and which month it is overdue. Of course, this does not mean that it will disappear after 24 months. It will be kept for five years. When you are overdue, whatever the reason, you should pay back the arrears as soon as possible, otherwise you will be at risk of "malicious overdraft", and if it is serious, you will be sued.