What should I do if my Ping An Bank credit card is overdue for half a year? Ping An Bank credit card overdue for six months can be divided into the following situations: 1. "Good performance" can still be "remedied"; 2. The severity can be "negotiated"; 3. After the credit card is overdue, remember not to cancel the card at will; 4. Overdue It’s very serious. What should I do if my Ping An Bank credit card is overdue for six months?

Ping An Bank's credit cards that are overdue for six months can be divided into the following situations:

1. "Good performance" can still be "remedied"

"Bad record" The shelf life is 5 years. If it is more than 5 years old, the credit reporting agency should delete it. However, you must pay off all outstanding balances.

In addition, negative records caused only by credit cards can still be remedied. After paying off the debt and having a bad credit card record, as long as you insist on repaying the money on time and in full for two years, your bad credit record will be eliminated over time, and your personal credit will return to normal. status. If you have a bad credit record due to non-personal reasons, you can ask the bank to issue a certificate for you that the debt is not malicious.

2. The severity can be "negotiated"

If you have three consecutive loans within two years, a total of six times, many banks will refuse the loan. If it is overdue between two and five years, , a bank with an overdue record can issue you a non-malicious overdue certificate, and the bank will still lend you a loan, but compared to a normal customer, your loan amount will be lower and the interest rate may also be higher.

3. Remember not to cancel the credit card at will after it expires

After the card is canceled, the credit reporting system will no longer generate new credit records, so this bad record will always exist. The best way is to continue to use it for 24 months, and then do other processing after covering the previous negative records with good records. At present, many people believe that as long as they pay off the credit card debts with bad credit records and then cancel the card, the bad credit records will be eliminated. This is incorrect.

4. What should I do if my overdue loan is very serious and has been included in the bank’s “loan blacklist”?

This problem is very serious, and the only option is to buy the house in full. In addition, I would like to remind everyone that there are many industries now claiming to be "eliminating bad credit", but this is not credible.

The consequences of a Ping An Bank credit card being overdue for half a year:

1. If the credit card debt is more than 10,000 yuan and is still not returned after half a year after two collections by the card-issuing bank, it shall be deemed It is a "malicious overdraft" stipulated in Article 196 of the Criminal Law, which constitutes the crime of credit card fraud and requires criminal liability.

2. If the above situation does not apply, you should bear civil liability, including repayment of the principal of the debt, overdue interest, etc., and you will also have a bad credit record.