The overdue time of Bank of Communications credit card is as follows:
1. Credit card time tolerance service can be overdue for 3 days.
After the credit card repayment date, the cardholder can enjoy 3 days repayment time service. As long as the cardholder returns the minimum repayment amount before 0: 00 on the third day after the due repayment date, it is not overdue. In other words, as long as the credit card is overdue within 3 days after the repayment date, it is safe. If the credit card is overdue for more than 3 days, it is necessary to conduct credit investigation, which will affect the personal credit record.
2. Credit card overdue records will be reported once a month.
The bank will regularly submit the credit card records to the People's Bank of China every month, thus forming the credit record of the cardholder. At present, banks submit personal credit data once a month. Therefore, if the credit card is overdue and exceeds the buffer time of 3 days, you should call the bank in time and try to solve it through consultation before the bank submits personal credit records.
If you don't know your credit information, just search: Quick Card Test. Click Query, enter information to find your own 100-line credit data, and find this WeChat applet. The data comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, obtain various indicator data, and find their own personal credit status, blacklist status, online loan application record, application platform type, online loan credit limit estimation and other important data information.
To sum up, Bank of Communications will make a credit report at the meeting if the credit card is overdue for three days. Cardholders should pay attention to repayment on time. Only by signing a credit guarantee, there is no problem for three days overdue.