As we all know, once the repayment negotiation with the bank is successful, there will be no new overdue records on the borrower's credit report.

In the process of negotiating repayment, it is true that the credit report will not be listed, but it should be noted that during the process of negotiating repayment, the borrower's repayment record will still be included in the credit report. of.

When negotiating repayment, the bank will only give a grace period for repayment, or calculate less interest, but will continue to report overdue records to the credit reporting system, so it will still have an impact on credit reporting.

In addition, it is recommended that you pay attention to the issue of loan repayment.

Generally speaking, if you forget to repay within a few days, you can still negotiate and communicate. In the case of timely repayment, the credit report has generally not been updated, so it will not have much impact.

But if you default on repayment maliciously or the debt is too high due to personal reasons and you are unable to repay, resulting in overdue payment, the longer the overdue time, the greater the impact on your credit report.

Finally, the borrower needs to be reminded that if the card is overdue, do not cancel the card after paying off the debt. Once the card is canceled, the bad record will accompany the borrower for a long time.

Because the card is canceled, the bank will not update the card usage status, and the bad records will remain at the time of card cancellation.

To avoid being on the online loan blacklist, you must not only pay attention to late repayments, but also avoid long borrowing. You can check your long lending situation through "Kingfisher Data". Long loans mainly refer to recent applications at lending institutions. It is recommended to stop all loan-related operations within three months to give yourself a break. In this way, the natural risk index will be reduced after three months, and the blacklist can also be eliminated.

Extended information:

Does negotiated repayment on a credit card affect your credit report?

As early consumption has become a new consumption trend, many people have begun to apply for credit cards from banks and use credit cards to meet their consumption needs.

But sometimes funds are tight and there is no money to repay on the repayment date. Will negotiating repayment with the bank affect your credit score?

After the borrower negotiates repayment with the bank, the bank will only give a grace period for repayment, or calculate less interest, but will continue to report overdue records to the credit reporting system, so the credit reporting is still Influential.

However, now banks generally provide cardholders with time-limited services. There will be a grace period of 1 to 3 on the current repayment date. If you repay within the grace period, the bank will regard the repayment as on time. It will not affect your credit score.

If there is no money to repay after the grace period, the bank will regard it as overdue and will report the borrower's overdue record to the credit reporting system.

I would like to remind all my friends that during the process of negotiating repayment, your attitude must be sincere.

If the bank refuses to negotiate repayment, you can insist on making several more phone calls or go directly to the bank branch to negotiate with the staff in person.