When a credit card is stolen, the following two situations usually occur:

1. If the card is actually in the hands of the cardholder, the credit card expires after being stolen, and the purchase order is signed. If the signature on the transaction document is inconsistent with the signature on the bank card, the overdue balance will be borne jointly by the card-issuing bank and the consumer merchant. Usually each party bears 50% responsibility, and the bank will bear the overdue interest. The cardholder himself is not responsible for repayment.

2. If the real card is not in the hands of the cardholder, and the credit card is stolen due to reasons such as the leakage of the cardholder's transaction password, the cardholder will be required to bear the overdue repayment.

Will an overdue credit card affect your credit report?

Overdue credit cards will cause overdue records to be uploaded to the Central Bank Credit Information Center database. As long as the overdue period is not long, the amount owed is not large, and the debt is paid off in time, it will generally not have a big impact on credit card, loan and other business operations. However, if it is overdue for more than 90 days and becomes malicious, it may result in rejection of bank credit business in the future.

Some banks provide credit card repayment extension services, that is, if you are unable to repay on time under special circumstances, you can apply to the bank for an appropriate extension of the final repayment date. If the bank agrees to defer repayment, it will not have an impact on your credit report. However, late payments will have a negative impact on your credit score.