Failure to repay a credit card by a few cents, or failing to repay for a long period of time is also considered overdue and will have a certain impact on credit.

According to Article 67 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", the card-issuing bank shall promptly remind cardholders of the overdraft amount, repayment date and other information that is about to expire. Exceptions include cases where the cardholder provides false information or changes contact information without notifying the card-issuing bank.

Article 69 Credit card collection letters shall fully disclose the following basic information to the cardholder: cardholder’s name and balance of debt, reasons for collection and relevant laws and regulations, cardholder’s relevant rights and obligations, inquiries Account status, repayment, ways to raise objections and provide relevant evidence, contact information of the card-issuing bank, relevant business seals, and other content specified by regulatory agencies. When a card-issuing bank receives a cardholder's objection to credit card collection, it shall promptly make a note on the relevant credit card account and carry out verification and processing.

Extended information:

Article 92 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Commercial banks shall implement classified management of credit card risk assets. The classification standards are as follows:

(1) Normal category: The cardholder can repay the amount payable in full before (and including) the due repayment date in accordance with the pre-agreed repayment rules.

(2) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive).

(3) Sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive).

(4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).

(5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days.

Commercial banks are encouraged to adopt a more prudent classification of credit card assets on the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data calculation method have been approved by the China Banking Regulatory Commission and its relevant agencies. standards, continue to pay attention to and regularly compare important risk management indicators related to reserve accrual, risk asset measurement and other aspects, and take corresponding risk control measures.

Baidu Encyclopedia - Measures for the Supervision and Administration of Credit Card Business of Commercial Banks