If a CCB credit card is overdue for 10 days, the card will not be frozen.
If the cardholder's credit card is overdue for more than 30 days, our bank's system will automatically control the credit limit of the cardholder's card, and the cardholder can temporarily only use 50% of the credit limit; if it exceeds For 60 days, the cardholder will be temporarily unable to use the card; after 90 days, the card will be forcibly suspended and all accounts under the cardholder's name will be frozen.
If the payment is late within 90 days, as long as the minimum repayment amount is paid, the system will automatically restore the cardholder's use of the entire credit limit. If payment is late for more than 90 days, the cardholder needs to pay off all overdue amounts in the account before making an application. Our bank will handle it based on the cardholder's actual situation.
In order to avoid overdue effects on card use and credit records, cardholders should pay attention to credit card account changes in a timely manner and repay on time.
Extended information:
1. The impact of not repaying credit cards on time
If the cardholder’s credit card has not been repaid in full beyond the due date. , the relevant consumption transactions will accrue interest from the date when the consumption is recorded, and compound interest will be accrued on a monthly basis. If the cardholder's repayment amount is less than the minimum repayment amount, a repayment penalty will be paid based on a certain proportion of the unpaid portion of the minimum repayment amount.
If the cardholder fails to repay the minimum credit card payment amount on time and in full, resulting in overdue information, our bank will report it to the Financial Information Database of the People's Bank of China in accordance with regulations. ?
2. To inquire about credit records (reports)
You can call the consultation hotline of the Credit Reference Center of the People's Bank of China at 400-810-8866 for specific information. In some cities, you can also inquire through the self-service personal credit report inquiry machines deployed by the People's Bank of China at our branches. For details, please contact the local CCB branches. ?
China Construction Bank-How long will the overdue credit card affect its use