If a credit card is overdue, a credit report will be filed.

As long as the cardholder is overdue when using his credit card, the bank will upload the overdue record to the People's Bank of China Credit Information Center. However, as long as the debt is repaid in a timely manner, the overdue situation is not particularly serious and will generally not affect subsequent cardholders' ability to apply for credit cards or loans. However, if there is a delay in repayment after an overdue payment, once it is overdue for more than 90 days, it will be deemed as malicious overdue by the bank, and the consequences will be very serious. The cardholder may be directly rejected when applying for credit business at the bank in the future.

Credit cards, as a new type of credit product in today’s society, are very popular among users. Many young people choose to open credit cards when they first enter society. It has to be said that their salary levels are still difficult to meet their consumption levels. The use of credit cards does bring us a lot of convenience. Some people think that it is precisely because of credit card debts that they are more motivated to work.

Normal use of credit cards will not have any impact on personal credit, but once the credit card is overdue, the consequences will be very serious.

Because the user has not repaid the credit card when the repayment time arrives, it will be uploaded to the central bank’s credit reporting system. If the user has other credit needs in the future, such as if he wants to apply for a home loan or car loan, You may be rejected because of a bad record. In addition, when a credit card is overdue, the bank will also freeze the credit card account, making it difficult to use the credit card again in the future.

If a credit card is overdue for three consecutive months and has been overdue for 6 times in total, it is a serious problem and the bank will blacklist the credit card user accordingly.

Of course, the data in the credit report system is not static, because the central bank’s credit report stores a large amount of data, so it will be updated every 5 years. If the user repays the credit card in time after it expires and guarantees that there will be no future If you do any bad behavior, the overdue records in the credit report will also be erased after 5 years. All in all, while we enjoy the conveniences brought by credit cards, we must also plan our funds well to avoid overdue credit cards, which will have a negative impact on our modern life in the future.