Received a text message saying that the credit card was seriously overdue.

This is a scam message. Don't click on the link. You can directly call Ping An Bank's customer service hotline 955 1 1-3 (bank loan) /955 1 1-2 (credit card) to verify the accounting situation. If it is really overdue, the bank will call you, but it will not send a message. If in doubt, you can call the bank to confirm.

I. Serious consequences of overdue credit cards:

1, resulting in overdue interest and late fees;

2. Bad credit record;

3. Banks will collect money and may face criminal problems.

Second, the credit card overdue solution:

1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;

2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.

Third, credit card application review is a comprehensive evaluation. There are many factors in general audit, such as the nature of the customer's work, education, income, personal stability, personal social credit, and the use of other financial products. The result of this audit may be that the personal information provided at the time of application failed to fully show personal financial resources and personal social situation, which led to the failure of this application. You can reapply after 3-6 months.