According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; If it is more than 5 years, it should be deleted (see the webpage link for details). When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

Second, will overdue records affect credit reporting?

Overdue records will affect credit reporting.

As long as the credit card repayment is overdue, the credit information system will record that it is overdue once, which will have an impact on personal credit information, but as long as it is repaid in time, it will not affect loans and other businesses.

I. One * * * There are 13 situations that will leave bad records in the eyes of banks and affect loans:

1. The credit card has been overdue for three consecutive times, totaling six times.

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas charges are not paid on time.

6. Personal credit card cashing.

7. The student loan is in arrears.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.

9. Credit card overdrafts and mortgage loans are not repaid on time.

10. When providing a guarantee for a third party, the third party fails to repay the loan on time.

1 1, personal credit report will also record some economic judgments. Therefore, the economy such as debt will also affect the credit record.

12. Mobile phone charges are linked to bank card charges. Failing to go through the relevant procedures after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, and it will also cause bad records;

13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.

The above-mentioned 13 situation will lead to the borrower's bad personal credit record, and the serious situation will enter the "blacklist" of the bank.

In addition, if the borrower's loan repayment is overdue or the credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it is sporadic and not long, the bank will still give preferential treatment, but in some cases, if it is overdue for more than three times, it will affect the loan.

3. Will my overdue record affect my credit investigation?

Pay attention to overdue credit cards. As long as the credit card is overdue once, it has little impact on the loan. In the eyes of the bank, 13 will affect the loan: 1, and the credit card has been overdue for three consecutive times, totaling six times. 2. The monthly payment is overdue or overdue for 2 to 3 months. 3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned. 4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest. 5. Water, electricity and gas charges are not paid on time. 6. Personal credit card cashing. 7. The student loan is in arrears. 8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record. 9. Credit card overdrafts and mortgage loans are not repaid on time. 10. When providing a guarantee for a third party, the third party fails to repay the loan on time. 1 1, personal credit report will also record some economic judgments. Therefore, the economy such as debt will also affect the credit record. 12. Mobile phone charges are linked to bank card charges. Failing to go through the relevant procedures after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, and it will also cause bad records; 13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards. The above-mentioned 13 situation will lead to the borrower's bad personal credit record, and the serious situation will enter the "blacklist" of the bank. In addition, if the borrower's loan repayment is overdue or the credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it is sporadic and not long, the bank will still give preferential treatment, but in some cases, if it is overdue for more than three times, it will affect the loan. bale

Will my overdue record affect my credit?

If loans overdue repays the loan once but in time, it will have little impact on the loan.

The following are cases where 13 will leave a bad record:

1, swipe your card three times in a row.

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas charges are not paid on time.

6. Personal credit card cashing.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have negative credit.

9. Credit card overdrafts and mortgage loans are not repaid on time.

10. When providing a guarantee for a third party, the third party fails to repay the loan on time.

1 1, economic judgment. Therefore, economies such as debt will also affect credit.

12. Mobile phone charges are linked to bank card charges. After the mobile phone stopped, the relevant formalities were not handled because there was no monthly record.

13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.

Extended data:

Generally speaking, money will be charged a certain interest, the interest of five banks. However, the starting date of interest is calculated from the date when consumption occurs.

It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!

When the credit card (credit card) holder chooses the minimum repayment method or exceeds the amount issued, he will no longer enjoy the interest-free repayment period, and shall pay the overdraft interest calculated from the bank for the unpaid part.