1. How to check the overdue amount of a credit card?

1. Many banks have opened online channels for checking debts, such as WeChat official accounts and online banking , mobile banking, etc. After the user logs in, check the available limit of the credit card, and then subtract the available limit from the total limit to get the total amount owed on the credit card. However, this is more troublesome, and there may be errors in subtracting.

2. You can call the 24-hour service hotline of the issuing bank of each credit card, transfer to manual customer service, and ask the customer service to help you inquire, and then add up the outstanding balances found for each card, so that you can get The total amount owed on the credit card is more reliable and more accurate.

2. How to check whether there is an overdue record on a credit card?

If there is a branch of the central bank's credit reporting center nearby, bring your valid ID card and go directly to the branch of the central bank's credit reporting center. By conducting on-site inquiries, a relatively complete report sheet can be obtained. In addition, you can also check the official website of the central bank. You can search the central bank credit center in your browser and log in to register for certification.

Some bank ATMs or websites can also check, such as the Bank of Beijing online banking U-shield, which can check personal credit reports. You can also download the online APP of the bank to which your credit card belongs, such as the Agricultural Bank of China's mobile banking. You can download the login authentication and directly log in to mobile banking for inquiries.

3. How to apply for deletion of overdue credit card records?

If the overdue time is relatively short, the bank has not uploaded the overdue records to the Credit Information Center of the People's Bank of China, and it is only a few days overdue. Today, I have paid off the debt, my attitude is good, and I have not had any bad records before. In this case, it is still possible to eliminate the credit report if the staff ensures that it will not be overdue again.

Or it may be impossible to eliminate, but the previous credit card usage record was good and there were no overdue repayments. You can request the bank to issue a non-malicious overdue certificate. With this certification, the impact of overdue payments can be minimized. If that doesn't work, you can only repay the loan on time by constantly swiping your card every month, and the bad records will be covered in as soon as 2 years.

In real life, if you want to check some information about your credit card, you can go to a nearby branch to check, or call the bank’s hotline. Of course, if these methods are too troublesome, , you can also register personal information and then log in to the bank's WeChat official account to query. This is a relatively convenient way.