The credit card repayment of China Bank within three days after the repayment date is not overdue, and the credit record will be uploaded after three days. According to the repayment rules of China's bank credit cards, China's bank credit cards have a three-day grace period. In other words, users who pay their debts within the three-day grace period will not affect their credit information.
Generally speaking, as long as the credit card holder does not repay within the repayment period, he will conduct credit investigation. If you want to know the specific repayment period, you can call the bank customer service number 95566 for consultation. After the user's credit card is overdue, the bank will record the overdue information and upload it to the credit information system at a fixed time every month. The People's Bank of China will summarize the data uploaded by banks and update the credit information system. This is the overdue record of the user, and the credit information will be uploaded.
The grace period for repayment of Platinum Card of China Bank is 9 days, and that for other credit cards is 3 days. Once the grace period has passed, bad records will be reported to the credit bureau. The credit card that forgot to repay for 4 days is overdue. Banks often report the overdue records of credit cards to credit reporting agencies after the cardholders are overdue. In this case, first of all, users are advised to repay the overdue bills of credit cards as soon as possible to avoid more overdue interest and more serious consequences due to the extension of overdue time. After all, if the credit card is overdue for 3 months, it will be sued by the bank to the court; Secondly, for special circumstances, such as the overdue credit card due to illness or unemployment, you can prepare relevant supporting materials to explain to the bank, so as to ask the bank to withdraw the overdue record on the credit report and explain to the bank that you are not maliciously overdue and can apply to the bank for deferred repayment and interest concessions if you are unable to repay.
How long does it usually take to restore credit information after overdue repayment of bank cards?
After paying off the loan, it can return to normal after 5 years. If the overdue records appear again within five years, the credit recovery time will be recalculated. After the original overdue settlement, you can apply for a new loan, but if the above-mentioned six consecutive three situations occur, you can only wait five years before applying for a loan. According to the relevant regulations, the retention period of personal bad information by credit reporting agencies is five years from the date of termination of bad behavior or incident, and it should be deleted after five years. It is suggested that cardholders develop good repayment habits to avoid overdue.