Does it matter if the credit card is overdue for one or two days? Does it matter if the credit card is overdue for a day or two, Zhihu?

1. Does it matter if the credit card is overdue for one or

Does it matter if the credit card is overdue for one or two days? Does it matter if the credit card is overdue for a day or two, Zhihu?

1. Does it matter if the credit card is overdue for one or two days?

Credit cards overdue for one or two days generally have no effect.

As long as you can repay within three days after the repayment date, it is not overdue, because there will be a three-day grace period after credit card repayment. If repayment is made within the grace period, it will be regarded as timely repayment, not overdue. As long as it is paid off in full within this period, there will be no cost. But it must be noted that if the credit card is overdue for a long time, the consequences will still be very serious. The bank will calculate the interest at the rate of five ten thousandths per day, and the overdue records will be kept in the credit data.

Second, what should I do if my credit card is overdue?

1. Quick remedy for overdue credit cards

If you encounter overdue, you should call the bank service phone immediately to explain that it is not malicious arrears and pay the arrears in time.

In general, banks will have a three-day grace period. Once the cardholder finds that the credit card is overdue, please deal with it immediately to avoid leaving a bad record.

2. How to deal with bad records?

If the cardholder has left a bad record in the bank, don't rush to cancel the card after paying off the arrears and explaining the situation. Once the card is cancelled and the personal credit record cannot be updated, the bad record will always be recorded in the bank, causing serious consequences.

The correct way is to continue to use this credit card and maintain a good credit record for at least 2 years, which will basically not affect personal mortgage, loan, credit card application and other businesses.

At present, the retention period of credit records in China is 5 years.

In actual use, don't hope to remedy the overdue credit card or eliminate bad records, but use the card rationally. Developing good credit card and repayment habits, paying on time and not overdue are the basis to ensure a good credit record.

3. What are the consequences of being sued for overdue credit cards?

The consequences of being sued for overdue credit cards are as follows:

1. Constant dunning by the bank. When the borrower fails to repay the loan in time, the bank's credit card customer service center will first call many times. If the payment is still unpaid, the bank will entrust a third party to collect it, usually through continuous phone calls, text messages or even door-to-door collection. After repeated dunning, the bank will sue to the court;

2. If the cardholder is sued by the bank and cannot apply for a loan, the court will collect it. After receiving the court summons, after investigation and persuasion, urge the cardholder to repay. However, if the cardholder refuses to repay, the court can take enforcement. Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the relevant property;

3. Malicious breach of contract, imprisonment and fines. A credit card overdue for three months can be regarded as a malicious overdraft fine. However, if you communicate with the bank in advance to prove your repayment ability and repayment plan, you will generally not face criminal responsibility. If the circumstances are serious, they may face the consequences of imprisonment of not more than three years and fines. If they are particularly serious, they will face longer imprisonment of three to seven years and fines.

If the credit card is overdue for more than two days, it will generally have no impact, because every company will take this time as the grace period for repayment within 1 3 days after the repayment date, that is to say, if repayment can be made within the grace period, it will not be overdue, and it will not have a corresponding impact on personal credit information.