Detailed description:
1. Credit card overdue means that the amount payable on the credit card bill is not repaid on time after the repayment period.
2. Cumulative overdue 13 months means that the cardholder has failed to repay the loan on time for more than 1 year in recent five years.
3. Banks and credit institutions usually put customers who are in serious breach of contract on the forbidden list and restrict them from handling new credit card or loan business.
This measure is to protect the interests of banks and credit institutions and prevent high-risk customers from further expanding their debts.
5. The system of accumulation without admission may have a long-term impact on cardholders who are seriously overdue, because it is difficult for them to obtain new credit lines or loans.
6. If the problem information is insufficient, we can assume that overdue will have a negative impact on personal credit score and may lead other financial institutions to carefully consider providing credit services.
Summary: Credit card overdue 13 months in the last five years will lead to no entry fatigue. This is because banks and credit institutions usually take restrictive measures against customers who are in serious breach of contract to protect their own interests. Credit card holders should always pay attention to repayment on time to avoid overdue, so as to avoid adverse effects on personal credit.
Extended data:
Overdue repayment will have a negative impact on personal credit score and may lead to refusal to apply for a new credit card or loan. The overdue records of credit charge-to-account cards (credit cards) will be submitted to individual credit reporting institutions, such as the Credit Reporting Center of the People's Bank of China. Credit reporting agencies will generate credit reports based on personal credit information, which will include records of overdue repayment. These records may affect the personal credit status in the financial market, including handling loans, buying houses, renting houses, etc. Therefore, timely repayment is an important part of maintaining good personal credit.