Inquiry method of overdue credit card records: Open official website, Credit Information Center of People's Bank of China, and click the Internet personal service platform after entering. After entering, select the option to start immediately and log in, enter the credit information interface, click "Apply for Credit Information" on the left, and select bank card verification. After passing, you can check your credit card overdue record.
Credit cards should never be overdue in daily use, because overdue repayment will not only affect personal credit information. Because there will be penalty interest after overdue repayment, the longer the time, the more penalty interest will be generated, and the burden of subsequent repayment will increase. After the credit card is overdue, the bank will collect it.
In order to avoid overdue repayment of credit cards, if users can't repay their credit card debts on time, they can use installment repayment or minimum repayment amount, which can avoid overdue, but they need to pay a certain handling fee. Installment repayment will occupy the credit card limit, but they can pay back in advance when they have money in the future.
Users must not spend too much when using credit cards in their daily lives. Generally, the monthly consumption limit cannot exceed 50% of the monthly income, which can ensure the timely repayment of arrears. In order to avoid excessive consumption, users can also set credit card consumption limits, which can also prevent individuals from using credit cards for excessive consumption.
Users should try not to pursue high quota when using credit cards, because too high quota will also cause users to swipe their cards too many times. The general credit card limit is 2 to 3 times the monthly income of users. If the credit card limit is too high, users can apply for a reduction.