1. How many days is the credit card m 1m2m3 overdue?

"M" is the first letter of "Months" in English, which means "month" when translated into Chinese. Naturally, the "m 1, m2, m3" listed here indicates the overdue period of your credit card.

"m 1" generally refers to the waiting period, which refers to the period from the second billing date to the final repayment date of the second billing date after the overdue repayment of the credit card. Generally, at this stage, banks will remind debtors with overdue credit cards to pay off their debts, and will charge interest and liquidated damages arising from overdue credit cards.

"m2" generally refers to the waiting period, which refers to the period from the third billing date to the final repayment date of the third billing date after the overdue repayment of the credit card. For this stage, banks will generally adopt the method of manual collection, and will make effective collection by phone or at home.

"m3" generally refers to the waiting period, which refers to the period from the fourth billing date to the final repayment date of the fourth billing date after the overdue repayment of the credit card. The consequences of this stage will be more serious, belonging to a serious credit card crisis. Under normal circumstances, banks will sue in judicial proceedings.

2. What should I do if the overdue credit card money is not paid off?

1, take the initiative to contact the bank; When you find that your credit card has expired but you haven't paid off the money, what you have to do in this case is to take the initiative to get in touch with the bank and fully explain to the bank why you have no money to pay back the credit card when it expires. Generally speaking, you need some evidence. Let the bank fully believe that what you said is true, and the relevant institutions can provide proof. In this case, banks will generally consider it as appropriate.

2. Actively raise money for repayment; Just as we negotiated with the bank in the previous stage and obtained the bank's repayment period waiver. But after all, this operation still treats the symptoms rather than the root cause, and does not solve the essential problem that we owe the bank money from the root cause. Therefore, to solve the fundamental problem, the biggest solution is to voluntarily return the money to the bank. Only in this way will the initiative be in your own hands.

3. Do you have a personal credit report that is one month overdue?

One month is the personal credit report at the meeting; At present, China's commercial banks generally report this behavior of overdue credit cards to the bank's credit reporting department, and this bad behavior will be recorded in every credit reporting, which will cause certain stains on our credit reporting. I still hope that the overdue credit will not have a negative impact on the personal credit report.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.