Will there be a bad record if the credit card is overdue 1 day, Zhihu?

With the popularity of credit cards, the number of cardholders per capita in China is also growing slowly. Everyone has more credit cards, and it is inevitable that they will forget to repay.

I believe many cardholders will have questions, "Will a credit card be credited if it is overdue?" "Will a short overdue time have an impact?"

Now, let's have a look. Will there be a bad record if the credit card is overdue for one day?

First of all, for most banks, credit cards have a three-day grace period. In other words, if our credit card is overdue for one day, it will not affect us, and we will not report the overdue credit record to the bank.

For example:

Suppose the last repayment date of our credit card is the 5th of each month, and it turns out that due to personal problems, we can't repay it until the 6th. In this case, there will be no impact.

And the three-day grace period often does not require us to apply to the bank, which is the bank's default policy. As long as the repayment is successful within these three days, it will definitely not affect us.

However, it should be noted that not all bank credit cards support a three-day repayment grace period. So, please remember your repayment date and repay on time. If you really forget to repay, you'd better call the bank customer service in time to explain the situation after repayment.

Related question and answer: Will the credit card 1 day be overdue? The credit card will not be overdue for 65,438+0 days. Supplementary information: 1. Generally, bank credit card services have time-keeping function. Generally, credit information will not be received within three days after the deadline. Whether to receive credit information depends on the grace period of the issuing bank. 2. Different banks have different deadlines for overdue credit reporting. Generally speaking, the credit card is overdue 1-3 days or so. 3. Banks have different degrees of grace period for credit card repayment. As long as the repayment is made within the grace period, the overdue records will not be reported to the central bank and will not cause overdue. The grace period for credit card repayment varies from bank to bank, which is generally 1 to 3 days. During the grace period, the bank will repay the loan on time by default, which will not affect the personal credit information. 4. If there is still no repayment after the grace period, it may be uploaded to the central bank's personal credit information system, which will have an impact on credit information. Extended data:

First, the consequences of overdue repayment of credit cards are serious or not, depending on the overdue time. Details are as follows: 1. If the credit card has a grace period of repayment within 3 days, it will have little impact, so you can pay it off in time. 2. Within 30 days overdue, you will face overdue collection and overdue interest, which will also affect your personal credit in the bank, and you may enter the blacklist of bank credit, which will have an impact on card processing and loan. 3. overdue for more than 30 days, in addition to the above consequences, may also cause the central bank's credit stain. Most banks report card information and data to the central bank once a month. 2. Credit card repayment within the grace period is regarded as timely repayment, and the cost is as follows: 1. If it is paid off in full, no cost will be incurred; 2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be regarded as overdue, and the interest will be 0. 05%, and charge a 5% late fee for the unpaid part of the minimum repayment amount; 3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the total repayment amount, interest will be paid at 0. 05%. Third, how long is the credit card overdue? If the credit card is overdue for more than three months, you may be sued. If the cardholder owes a small amount or fails to pay the annual fee, the bank will generally not sue, but will only remind him; If the cardholder does not pay back the arrears, the high interest rate of the bank will continue to rise and the arrears will increase. When a certain amount is reached, the bank will sue. If the cardholder is identified as a malicious overdraft by the bank, he will be investigated for criminal responsibility. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.