If a Bank of Communications credit card is overdue for 2 days, a credit investigation will be conducted.

Details:

First of all, according to the current operating mechanism of my country’s credit reporting system, banks will enter and report customers’ credit information. Therefore, overdue behavior may be recorded by the bank and reported to the credit bureaus.

Secondly, according to relevant regulations, banks usually report overdue information to credit reporting agencies after a customer's credit card is overdue for a certain period of time (usually 30 days). Although there is currently no clear stipulation on the specific period of overdue time, according to the bank's actual operation and experience, two days overdue may be recorded by the bank and may be reported to the credit reporting agency.

In addition, credit bureaus will record overdue information reported by banks in personal credit reports. Personal credit reports are an important reference for banks and other financial institutions to evaluate customers' credit status. Overdue records will have a negative impact on personal credit ratings.

To sum up, Bank of Communications credit cards that are overdue for 2 days may be recorded and reported to credit bureaus, which will have a negative impact on personal credit ratings.

Extended information:

Credit reporting agencies are institutions established and managed by the People's Bank of China and its authorized agencies. They are responsible for managing personal credit information and credit reports. Its main functions include collecting, organizing and saving personal credit information, providing credit reports to financial institutions, and assisting financial institutions in conducting personal credit assessments.

Personal credit rating refers to a way for credit reporting agencies to conduct a comprehensive assessment of personal credit status based on personal credit information and credit scoring models. The level of personal credit rating will affect the individual's credit ability and trust in financial institutions.

Therefore, banks will record and report customers' credit card overdue behaviors to credit bureaus to maintain the healthy development of the financial market, and at the same time remind customers to maintain a good credit status and repay credit card debts in a timely manner.

Summary:

Bank of Communications credit cards that are overdue for 2 days may be recorded and reported to credit bureaus, which will have a negative impact on personal credit ratings. Individuals should pay attention to their credit card repayments and repay their balances on time to maintain a good credit status.

The above are the answers to the credit investigation meeting for Bank of Communications credit cards that are 2 days overdue. Overdue repayments will be recorded and reported to credit bureaus and will have a negative impact on personal credit ratings. Therefore, customers are advised to repay credit card debts in a timely manner to maintain a good credit status.