1. What should I do if my credit card is overdue?

1. If a person's overdue amount is very high, and it happened without his knowledge, he can apply to the bank to cancel the bad record, and the bank will submit an application to the central bank.

2. If it is currently overdue (overdue, unsettled), it is usually impossible to borrow money. Borrowers need to settle overdue loans and credit card overdue repayments before applying for loans.

3. If it is historically overdue, first check whether the credit record period has passed. At present, the overdue records of nearly five years are kept in the credit report, and the credit records of more than five years will not be reflected. So overdue five years ago does not affect the loan application.

If it is overdue within 4.5 years, the lending institution will review the overdue situation. Usually, the loan will be refused if it is overdue for more than 6 times or more than 3 times in a row (different banks have different standards). If the credit card is overdue only once and there is no overdue at present, it usually has little impact on the loan.

2. How long will it take for overdue credit reporting of credit cards to be eliminated?

Automatic elimination of overdue credit of credit cards after five years;

1. After the credit card is overdue, the overdue record on the credit report will be cleared automatically five years after the borrower pays off the overdue funds.

2. If the credit card is overdue, the overdue record will be left in the credit report.

3. The overdue record of the credit card will not be eliminated because the user cancels the credit card. After the credit card is overdue, even if the user cancels the credit card, the overdue record will remain in the credit report and will be automatically eliminated after five years.

4. If it is overdue for reasons other than my own (such as fraudulent credit card), the user can keep relevant evidence and fill in the objection application form at the credit card issuing bank. The general bank will give a reply within 20 working days. If the verification is true, the bank will manually restore the user's credit information.

3. What if the credit card is overdue?

1. You'd better keep using this card.

After the deadline, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record.

2. Never run away.

If it is overdue for a long time, the credit card will generate interest and there will be a high late fee. If you run away, the bank will think you overdraw maliciously and call the police.

3. Inability to repay the loan requires timely explanation.

If you can't repay on time due to unemployment or illness, you can apply for deferred repayment and interest concessions before the repayment deadline, state your financial situation and declare that you are not maliciously in arrears.

4. It is best to repay in full and explain the reasons.

If you forget to pay back because of your usual carelessness, you must pay back in full as soon as possible, preferably in full, because calling the bank after full repayment shows that it is not a malicious debt request, and eliminating overdue records has the best chance of winning.

Overdue credit cards will have an impact on your credit information. If you want to borrow again, the average bank will not agree. Therefore, this situation must be dealt with in time, and all arrears must be paid back. After the credit information is affected, the overdue records will be automatically eliminated after five years, so that any loan business can be handled.