The credit card is in arrears, but it is not overdue, indicating that the user did not repay during the repayment date to the grace period. Applying for a loan at this time will not affect the loan. If the subsequent users continue to fail to repay the loan beyond the grace period, the overdue records will be uploaded to the credit information. However, if the lending institution inquires about the credit of users again and finds the existing overdue records, it will affect the loan review results at this time.

Users with credit cards must repay on time, which can not only maintain personal credit, but also help to apply for credit business later.

What will happen if the online loan does not return the credit card?

I can't afford the online loan and credit card.

What will happen if you don't return your credit card?

In borrow money fast, the online loan company is overdue for one and a half months-the interest has doubled the principal-what should I do-only repay the principal-will I continue to collect and negotiate to repay the principal with interest? Is the loan overdue for 20 days and the interest doubled as usury? . If the online loan is overdue, it may constitute credit card fraud or loan fraud. Use a forged credit card, or use a credit card fraudulently obtained with a false identity, use an invalid credit card for free, and the law will be restored or someone else's credit card will be fraudulently used.

Legal basis:

Article 16 of the Regulations on the Administration of Credit Information Industry

The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or events; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.