CITIC Bank's credit card has a bad record, which affects the loan. If you can still borrow, you can only accept the conditions given by the bank; You can't borrow money, you can only raise or give up loans through other channels such as borrowing from friends and relatives.
Most of the bad credit card records are overdue. If the cardholder fails to repay the arrears before the final repayment date of the current bill or the amount of repayment is lower than the minimum repayment amount, the current bill will become overdue. Overdue repayment of credit card refers to the failure to repay in full and on time after the final repayment period stipulated by the bank.
If the minimum repayment amount is not paid, the consequences will be:
I. Bank Credit Card Banking Center will charge late fees and interest:
1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.
2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.
Second, the impact of credit:
1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;
2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;
3. After a certain amount and time, the bank will freeze the credit card.
There is nothing you can do. You should take care of your card. If you really need money, go to Shenyang Zhonghui, where your credit history is ignored. Other ways really can't get the money in a short time.
What should I do if the SDB credit card has a bad record and affects the loan? Among them, it is related to the floating interest rate of loans. If you can issue proof of non-malicious overdue repayment, you can still find a way to get a loan. The specific approval of the loan bank depends on someone inside.
According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
Even if it is not my fault, it will take five years to eliminate personal bad credit records, but the bank has judged the records, which may not necessarily affect the loan issuance.
The influence of bad credit record on the borrower's loan can be divided into three situations: one is to reduce the borrower's loan ratio; The second is to make the borrower's loan interest rate rise; Third, banks will not accept loans from borrowers with serious bad credit records.
The personal credit information system only objectively records the fact of arrears, and the subjective evaluation of personal credit status is made by the bank applying for loans. However, banks make different evaluations of relevant records according to their own risk preferences or other requirements, so there is no need to worry about the impact of one or two unpaid annual fees on their credit status.
If you have a bad credit record, you won't be able to get a loan in the future.
Process for processing credit cards:
1. Handle at the bank counter;
2. Submit the information needed to handle the credit card to the bank;
3. Fill in the credit card application form;
After approval, the bank will send a credit card.
Processing credit card materials:
1, personal ID card;
2. Proof of unit income;
3. Personal property certificate;
4. Information required by other banks.
What should I do if I have a bad credit card record in China Bank? Credit card bad repayment records are generally kept for 5 years, and will be deleted by credit reporting agencies after more than 5 years. This provision will provide people with a record of default with an opportunity to repair their credit.
Usually credit card repayment information will be recorded by the central bank's credit information system for 24 months. If the cardholder stops using the card, the corresponding records will not scroll, that is, the records will be kept for a long time. Therefore, it is best not to cancel the credit card immediately after the overdue repayment of the credit card, but to continue to use the card for more than two years, during which the credit is good, so that the new good record can be gradually refreshed to replace the old bad record.
In addition, if the cardholder intends to stop using the card, he can choose to deposit 1- 10 yuan into the card every month to keep the status of the card unchanged, so the bad records will also be erased when the central bank extracts information.