If an individual has a record of non-performing loans, it shall be kept on the credit report for no more than 5 years from the date of the end of the bad behavior or incident.
If the cardholder forgets to repay, he can apply for timely repayment. Timely repayment means that the cardholder repays within three days after the latest repayment date, which can be counted as timely repayment, and will not be recorded in the personal credit record after the deadline. When the cardholder repays the loan after the time allowed by the bank, he should immediately submit a "non-malicious overdue certificate" to the bank to apply for cancellation of the overdue record. It is also feasible, provided that the quantity is not too large.
：
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
First, when approving loans, banks will refer to the overdue times of individuals in the past two years.
Under normal circumstances, it will be difficult for couples to obtain loans if they are overdue for three consecutive times or six times in two years.
Two, according to the degree of overdue credit, can be roughly divided into the following two situations:
1. Only one or two credit cards have expired.
Generally, such banks will not refuse to lend, but may raise the loan interest rate appropriately, which is the first case mentioned above.
Buyers can ask more banks, because if the mortgage interest rate of real estate cooperative banks is favorable, they can enjoy preferential treatment when applying for loans in some banks, so choose the one with the lowest interest rate.
2. The credit card is overdue for three consecutive times or six times in two years.
Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan. It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; And accumulated six times, if overdue once, also; The overdue happened again, and it happened six times.