Take building behavior as an example. If the credit card is overdue for more than 30 days, the CCB system will automatically control the credit limit of the user card, and only 50% of the credit limit can be used temporarily; After more than 60 days, the card cannot be used temporarily; After more than 90 days, the card will be forced to stop, and all accounts under this user name will be frozen.

If the repayment is delayed within 90 days, as long as the minimum repayment amount is paid, the system will automatically resume the user's use of all credit lines. If the payment is delayed for more than 90 days, the user needs to pay off all the overdue funds in the account before applying, and CCB will handle it according to the actual situation of the user.

Extended data

If the credit card fails to repay in full after the due date, interest will be charged from the date when the consumption is recorded, and compound interest will be calculated on a monthly basis. If the repayment amount is lower than the minimum repayment amount, the repayment penalty shall be paid according to a certain proportion of the unpaid part of the minimum repayment amount. If overdue information is generated due to the failure to return the minimum repayment amount of the credit card in full and on time, the bank will submit it to the financial information database of the People's Bank of China as required.

If the credit card is overdue, please repay it as soon as possible. CCB provides credit card repayment methods such as agreed account, network (including online banking, credit card outlets, mobile banking and WeChat), SMS, outlet counters, self-service equipment, 95533 telephone banking, third-party companies, transfer from other banks, etc., which can be selected independently according to needs.

China Construction Bank-How long will the overdue credit card affect the use?