Currently 1 time overdue means you have 1 missed payment.

? The number of times a credit card is overdue is divided into three cases,

1, the current number of overdue periods: is the number of times the current consecutively failed to pay the minimum repayment amount or the amount stipulated in the loan contract, for example, the cardholder has not paid the payment for five consecutive months, then the current number of overdue periods will be 5;

2, the cumulative number of times overdue: is a cumulative number, that is to say as long as a cardholder is overdue once, it will be

3, the maximum number of overdue periods: is the historical maximum of the current number of overdue periods, for example, the cardholder in January-October the current maximum number of overdue periods is 5, then the maximum number of overdue periods is 5.

What is included in the credit report

What is included in the credit report

Generally, the credit report will not be used as the basis for the credit report, but it is the only thing that is included.

Generally speaking, a personal credit report mainly includes basic information, credit records, public **** records, objection records and inquiry records. It includes both positive information about your normal repayments and negative information about your failure to make contractual repayments

. It also includes "bad information" about your defaults, tax debts, and court and administrative penalties.

Note: Information in red on your credit report is considered bad information. Your bad information is usually displayed in a red box or in red font.

What is recorded in your credit report as overdue

1) Current number of overdue periods: the number of consecutive times that you have not made the current payment in the contracted amount or the minimum payment.

2) Current Overdue Amount: the total amount of the current failure to pay the contractual amount or minimum payment.

3) Late Continuing Months: refers to the number of months that a particular late behavior has lasted up to now.

4) overdue amount: refers to the amount that should be repaid but has not been repaid up to now for a particular overdue behavior.

5) Overdue month: the month in which a loan or credit card account is overdue.

Categorization of "Account Status" in Credit Report

Loan Business: Normal, Overdue, Doubtful, Transferred, Settled

Related Terms

Doubtful Loans: Loans that cannot be recovered after reminders and have been in a state of inactivity for a long period of time.

Transfer out: simply means that the debt is transferred. At present, the bank in order to the bank's liquidity needs, will be part of the loan can not be timely recovery, packaged and sold to other banks.

Credit Card Business: Normal, Freeze, Stop Payment, Doubtful Account, Cancellation, Inactivation

Payment: i.e., Stop Payment, is a precautionary measure taken by the bank in order to ensure the safety of the credit card when it expires or at the request of the cardholder.

Above the credit report knowledge, partners get it? The best small reminders must pay attention to pay back on time, so as not to form a bad credit record.