If the credit card is overdue for more than 30 days, the CCB system will automatically control the credit limit of the card, and only 50% of the credit limit can be used temporarily; After more than 60 days, the card cannot be used temporarily; After more than 90 days, the card will be forced to stop paying, and all accounts under its name will be frozen.

If the repayment is delayed within 90 days, as long as the minimum repayment amount is paid, the system will automatically resume the user's use of all credit lines. If the payment is delayed for more than 90 days, users need to pay off all the overdue funds in their accounts before applying, and CCB will handle it according to your actual situation.

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Influence of overdue repayment of credit card

If the credit card fails to repay in full after the due date, interest will be charged from the date when the consumption is recorded, and compound interest will be calculated on a monthly basis. If your repayment amount is less than the minimum repayment amount, you have to pay a certain percentage of the outstanding part of the minimum repayment amount.

If overdue information is generated due to the failure to return the minimum repayment amount of the credit card in full and on time, CCB will submit it to the financial information database of the People's Bank of China as required. ?

China Construction Bank-How long will the overdue credit card affect the use?