When the bank reviews the user's credit, it will go to the People's Bank of China Credit Information Center to retrieve the user's personal credit report, which will have a detailed record of overdue credit card.
In fact, the overdue credit card does not mean more than a few times, but a cycle. When you check your personal credit history, you will find that if there is an overdue period, the numbers 1, 2, 3, 4, 5, 6, etc. will be written on it, respectively, for one month, two months...
Generally, within one month, the bank can forgive, 2 will consider it, and if it is 3, it will definitely not be done, including the future loan to buy a house or something will be affected.
Most banks are an important reference indicator when handling loan business, but they will not kill users with a credit card due to overdue payment. When judging a user's creditworthiness, the bank not only looks at the credit history, but also the financial contribution of the user, that is, the participation in the bank credit business.
From this perspective, users who occasionally generate one or two small credit smears may have higher credit ratings than those who only deposit without loans and have no credit history.
Normally, the cumulative overdue is up to 6 times or consecutively overdue 3 times, and the bank will not issue loans. If the applicant can provide evidence of no intention to overdue, the bank can also “open the sideâ€.
If it is not enough for a few months, you can apply for repayment in installments; if it is only a few days, you can use the minimum repayment amount method, and don’t think about it.
You can also call the issuing bank's customer service phone and take the initiative to negotiate a repayment plan with the bank. Don't overdue the payment.
How to remedy negative records?
If it is caused by a credit card, a negative record can still be remedied. At present, bank credit records are only recorded for 24 months, which is the use of credit cards within 2 years. In other words, in the case of paying off debts and bad credit card records, as long as you insist on full repayment for two years on time, your bad credit history will be eliminated over time, and your personal credit will also be Will return to normal state.
If you have a negative record because of carelessness, do not sell the card immediately, because after the card is sold, the credit system will no longer have a new credit record, so the previous bad record will not be replaced by the new record. There has been. After paying off the arrears, continue to use for 24 months, and use a good record to cover the previous negative records before doing other processing.
1. Cardholders should avoid penalty interest and try to open credit card SMS reminder and billing functions. Banks generally remind customers of various account information through SMS. But if you don't even care about text messages, then the gods can't save you.
2, tied to the salary card
Bundle the credit card with the salary card and the savings card, so that the bank can automatically make a payment. This can save a lot of peace of mind, and there is no need to worry about the risk of penalty interest. The only thing that needs to be ensured is that there is a salary card and a savings card. A sufficient amount of repayment.
3. Query credit report
You can check your credit report online for free twice a year. Why not take advantage of this opportunity to understand, pay attention to your credit report, and discover credit anomalies as soon as possible.
4, must repay
If you can't pay back the debt on the repayment date, you can choose the minimum repayment amount or installment payment. Although you have to pay a lot of interest, you will not get the overdue blacklist.
5, credit card tolerance service
At present, most banks provide credit card tolerance time service, which can provide cardholders with up to 3 days of buffer repayment time. If the overdue payment is less than 10 yuan, they can still accumulate the next period of payment and will not pay off. Affect the personal credit history.
6, timely elimination of unused credit cards
If there is a credit card that is not used, it is best to cancel it in time. When canceling, it must be emphasized that the customer number and the account number will be cancelled together. Avoid getting confused on the blacklist for credit because of the annual fee.
7, see the credit card annual fee rules
At present, most banks stipulate that once a Platinum Card is applied, as long as the card is successfully approved, the annual fee will be automatically withheld regardless of whether it is activated or not. In addition, the annual fee-free rules for each bank's Jinpu card are not the same. You need to brush a certain number of times to avoid the annual fee, or you need to use the points to offset the annual fee. Please also be sure to see the application when you apply, to avoid the problem of annual fees and affect personal credit.
Because credit cards generate overdue records and blacklists, they will have an impact on many things such as future loans and going abroad. In fact, some overdue records can be eliminated.
1. If you accidentally owe the annual fee, you will be blacklisted, explain the reason with the bank after the payment, and let the bank give you a letter of explanation. You can cancel the overdue credit record at your discretion.
2. If it is because of credit card spending, the bill is not paid off on time, it must be on the overdue record.
The remedy is: after paying off, you have to keep a good credit card record for 24 consecutive months. The bank only pays attention to the credit record in the last 24 months. There is no bad record in 24 months, it will not have much impact on you, but The personal credit information will not be automatically cleared after 5 years.
3. The bank will generally issue bills, text messages, telephones, etc. within the period of 1-2 bills incurred by the cardholder, and inform the cardholder to repay the loan as soon as possible. If it can be proved, it has not received the notice from the bank. The cardholder may request the bank to cancel the overdue credit history record on the premise of paying off the arrears. Of course, if you change your mobile number and don't receive a notification, the overdue record cannot be revoked.
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