If the credit card is overdue within a few days, you should call the bank customer service first to explain that the situation is not malicious arrears. Generally, banks have a grace period of 2-3 days, which means that the situation can be restored in time and not recorded in the personal credit report. But be careful, you must apply by phone, otherwise, even if it is overdue, banks will generally not take the initiative to extend the repayment date.

2. Don't close the account blindly after the deadline.

In the personal credit report, the repayment record of the cancelled credit card will also be recorded. In other words, bad credit records are not cleared simultaneously when the account is closed. If there is overdue, don't blindly choose to cancel the account after paying off the arrears. Once you cancel your account, you can't continue to update your personal consumption records. According to the Regulations on the Administration of Credit Information Industry, the retention period of personal credit information records in China is 5 years. That is, after the consumer pays off the arrears, the overdue records five years ago will be cleared automatically.

What should I do after the deadline? If it is overdue, we should continue to use the card, keep good consumption records and repayment records, and use the card well within two years, so that some policies will be opened for loan and credit card applications.

However, we should also remind everyone that in the process of using the card, don't hold the psychology that overdue can be remedied. Once overdue, it will take at least two years to completely cover the previous bad records. We should spend rationally, repay on time and maintain a good credit record.