My Guangfa Credit Card is overdue for one year, can the card still be used?

The card can still be used, at least because of this incident, the bank will not block the account and prevent it from being used.

However, the credit card limit may be reset to zero, which means that you will no longer have a credit limit.

Since other banks can also check if you are 12 months overdue, you don’t have to worry about credit cards from other banks.

At present, the only thing you can do is to transfer some money to your credit card before you prepare to spend, and then spend a few months, or at most half a year, then go to the bank to apply for a credit limit, and the bank will grant you some credit limit as appropriate. Don’t dare to pay late this time!

In the future, you can spend and repay like this, or if the limit is not enough, you can deposit, spend, and repay. Build up your credit slowly. Can I still use Guangfa Credit Card if I have paid it back 3 days overdue?

Yes, there may be an overdue record on the People’s Bank of China credit report, but it’s okay. Just remember to repay on time in the future. It’s best to pay in advance. return. Can I still use my Guangfa Credit Card after it has been overdue and repaid?

Hello, bad credit records such as overdue and malicious debt cannot be manually cleared within five years, and will affect personal credit business within this period. , if the situation is serious, you will be blacklisted and you will bear legal responsibility. Please protect your personal credit record and pay off your debt. Thanks! The Guangfa credit card is overdue for three months and I paid it off in one lump sum. The credit card text message is still informing me that this Guangfa credit card can still be used.

Once the payment is completed, there should be no problem. You can also consult the online customer service of Guangfa Bank. personnel. Will Guangfa come to your door if your credit card is overdue?

Banks mainly use the following five methods for credit card collection:

First, SMS collection. It is mainly aimed at the overdue repayment behavior of early cardholders, which is generally 7 to 15 days overdue. The SMS mainly serves as a reminder.

Second, phone collection. Mainly for overdue behavior that exceeds 30 days and lasts for more than one billing period, telephone reminders are provided for repayment.

Third, door-to-door collection. Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment.

Fourth, court prosecution. Mainly if the card is overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment.

Fifth, outsource collection. Mainly for overdue funds of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.

Will one overdue credit card of Guangfa affect Zeng Xin?

Hello, one overdue credit card will not affect your credit report.

Overdue credit cards, science can save your credit report

Generally speaking, if your credit card is overdue for more than three consecutive times, it is very likely that these overdue records will be recorded on your personal credit report. All credit records generated in banks are first recorded by the bank system, and then sorted and transmitted to the credit record system of the People's Bank of China. Therefore, if some bad credit records occur, they can be eliminated within an ordinary bank or within the central bank's credit reporting system. No matter what the situation is, don’t believe the small advertisements that pay money to help you eliminate your bad credit record!

(1) Eliminate the bad records through the bank within 90 days after the due date

In this case, it is easier to eliminate the bad records. Generally speaking, as long as you have a good attitude, take the initiative to explain the reasons, and pay off the debt and interest in a timely manner, banks will usually help customers eliminate their bad credit records. However, once the 90 days have passed and the negative record has been updated to the central bank's database, it is extremely difficult to eliminate it. Therefore, if it is overdue and does not exceed this period, you need to proactively contact the bank to eliminate it as much as possible. You can consider the following two methods to remedy the situation:

First, you must repay the loan in full as soon as possible after discovering it is overdue. It is best to pay in full, because after repaying in full, you have the best chance of winning if you call the bank to explain that the debt is not malicious and to request that the overdue record be eliminated.

The second is to make full use of the bank’s time difference repayment service.

Most banks also have a "time tolerance" repayment service, which allows you to pay up to three to five days late, and it can still be counted as on-time repayment. Some banks provide these services automatically, while others require the cardholder to actively apply for them. Therefore, once the cardholder is unable to repay the loan, he should quickly contact his card-issuing bank by phone to determine the time difference repayment policy to avoid inadvertent overdue payments. And form a negative record.

(2) How to delete records that are overdue for more than 90 days

Prove the commercial bank’s fault. It is very difficult to eliminate bad records in this situation, but it is not completely impossible to eliminate. You just need to strongly prove the commercial bank's fault.

Don’t cancel the card easily, continue to use it and maintain a good repayment record. If your card is overdue and is recorded in the central bank's credit reporting system, the best way is to continue to use this card, maintain good card usage habits, and cover the original negative record with a new normal repayment record. This is a process of establishing credit with the bank. Although your credit has been destroyed previously, it is still possible to establish it through your sincere efforts.

Generally, overdue credit is not too serious. After 24 months, the reorganized credit record will not have any impact on personal credit. After 5 years, the People's Bank of China will clear the previous bad records.

Once the card is cancelled, the overdue record will exist for a long time and cannot be eliminated. Whether it is buying a house or a car, as long as you want a loan, no matter which bank you go to, it will be affected. How to calculate the overdue amount of 50,000 yuan on Guangfa Credit Card for one day?

How to calculate the overdue amount of 50,000 yuan on Guangfa Credit Card for one day:

① If it is not overdue within the grace period, if there is no grace period, overdue interest and late payment fees will be calculated directly ;

② The late payment fee is 5% of the outstanding amount, and the interest is calculated based on the daily interest rate of 0.5%;

③ Call the credit card center or bank to explain the situation;

④ If you are overdue once, you can repay it immediately in a short period of time, which will not have any impact on your credit record;

⑤ It will have a certain impact on the application for a credit increase, and the amount of the credit increase will be slightly reduced;

⑥ More A short-term overdue loan will have a certain impact on the loan;

⑦ If the loan is overdue for more than 60 days, it will be recorded in the personal credit record;

⑧ If the loan is overdue for more than 90 days, it will be recorded as a bad credit report. If Guangfa owes 12,000 yuan on his credit card and is overdue for one year, will he not be sued or sentenced to prison?

You have already met the conditions for reporting a crime and being sentenced. As for whether to report a crime, it depends on the bank. Search Article 196 of the Criminal Law and see if you owe Guangfa What should I do if I have a 78,000 credit card that is overdue for one year and has accumulated to nearly 180,000?

Hurry up and find a way to pay it back. Otherwise, there will be more and more people making compound profits. It will still be repaid at that time. My Guangfa credit card is overdue for more than 20 days, can I still apply for other bank credit cards?

An overdue bad record will have an impact on applying for a credit card from another bank, because the bank will go to the People's Bank of China to check your credit report during the audit, and banks with strict audits will refuse approval.