However, it is certain that owing credit cards will first affect personal credit information, but it will not affect real estate at first.
however, if the bank is sued and the court accepts the lawsuit and enters the execution stage, it will not rule out the seizure or even auction of the debtor's property in the end.
Generally, banks provide credit card repayment time and tolerance services: if the cardholder owes less than 3 days and the amount owed is less than that of 1 yuan, it shall be regarded as timely repayment, and banks need to remind him 3 days before the due repayment date of the credit card. That is to say, within 3 days after the repayment date, call the customer service center of the issuing bank in time to apply for time-keeping service and repay in full, so that the credit will not be reported.
It should be noted that the Convention is not mandatory, but only advocates that banks provide time tolerance services for credit card holders, and there is no mandatory provision. Therefore, banks have different standards in the implementation of time tolerance. For example, if the greatest love in the universe persists, there will be no grace period.
The policies of different banks are different. Please refer to the following:
Industrial and Commercial Bank of China: The tolerance amount is only a penalty interest for the unpaid part, and there is no tolerance period.
Bank of China: the tolerance amount is 1% of the bill amount, and the tolerance period is 3 natural days for ordinary cards and 9 natural days for platinum cards.
China Construction Bank: There is no tolerance amount, and the tolerance period is 3 natural days, so you need to call to apply.
Agricultural Bank: the tolerance amount is Puka 1 yuan, and the gold card and platinum card are 2 yuan, and the tolerance period is 2 natural days.
bank of communications: the tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.
China merchants bank: the tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.
China guangfa bank: the tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.
industrial bank: the tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.
China CITIC Bank: The tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days. You need to call customer service actively to apply.
Minsheng bank: the tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.
China everbright bank: the maximum tolerance amount is RMB 1 or USD 2, and the tolerance period is 3 natural days, so you need to apply by phone.
Shanghai Pudong Development Bank: The tolerance amount is 1 yuan RMB or USD 2, and the tolerance period is before 22: three natural days after the repayment date.
ping an bank: the tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.
Huaxia Bank: The tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.
HSBC: the tolerance amount is 1 yuan RMB or equivalent foreign currency, and the tolerance period is 3 natural days.
if the credit report is overdue and the objection application fails, it will take 5 years to eliminate it. Remember not to cancel the card during this period. If you cancel the card, the bad record will stay for a long time.
after paying off the debt, you should stick to using the card for 2 years, keep a good habit of using the card, and write off the original bad records with new records (generally, you only look at the records of the last two years when applying for loans and credit cards).