The overdue amount and time of your credit card will be reflected in the People's Bank of China's personal credit database in a timely, objective and true manner, and will be provided in the form of a personal credit report for commercial banks and other (legally authorized) institutions to query and use. Whether your credit card overdue repayment record will be regarded as a bad record by a commercial bank, which will affect your loan or credit card application, is based on the different credit risk policies of each bank, including the credit card overdue time, overdue amount, and number of overdue times. comprehensive assessment. To avoid affecting your credit record, please make timely repayments before the payment due date. Whether there is an overdue record will be based on the latest bill.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

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