Bad credit card records, text messages

After the last repayment date of a credit card, there is usually a three-day grace period, so there is no problem in returning it at this time. It's hard to say beyond this time. Every bank is different. Generally, it will not be a problem to reply to this message in time after receiving it, and you don't have to pay attention to it after receiving the message after repayment. In normal use, at least the minimum repayment amount on the last repayment date should be guaranteed. The follow is a detailed analysis of this problem:

1. But when you need a loan, you will find that occasional expectations will bring you considerable trouble, such as rising interest rates, reducing the quota, and even refusing the loan collectively. Even if you don't borrow money, it will affect the withdrawal of all your credit accounts. According to the Regulation on the Administration of Credit Information Industry, if bank customers have bad credit records such as loans overdue, banks and other lending institutions are obliged to inform them in advance before uploading bad credit information to the credit information system.

2. According to the Regulation on the Administration of Credit Information Industry, your credit card records shall be truthfully submitted to the basic database of financial credit information of China People's Bank every month. To avoid affecting your credit history, please arrange repayment as soon as possible. According to the regulatory requirements, if your personal credit is bad due to arrears, we must truthfully submit your personal credit information to the basic database of financial credit information in accordance with the relevant provisions of the Regulations on the Administration of Credit Information Industry in the State Council. For overdue information caused by your failure to repay in full and on time, we have provided the basic database of financial credit information of legally established credit reporting institutions such as China People's Bank.

3. The bank only sends the notification message after the last repayment date. Many banks have a grace period of 65,438+0-3 days after the repayment date expires. During the grace period, if the customer receives the overdue notification SMS and immediately pays off the arrears, the overdue records will not be reported to the credit information system, which means there is still room for rescue. Of course, the specific conditions stipulated by each bank are different. For some banks, if the customer receives the bad information notification message, it means that the bad information has been submitted to the credit information system or will be submitted soon, and there is no room for recovery, just notifying the customer.

1. The minimum repayment amount refers to the minimum monthly repayment amount of the credit card, which is displayed on the bill of the credit card in the current month. If you can't pay off in one lump sum, you can pay off the minimum repayment amount on time before the final repayment date without affecting your personal credit information.

However, you can't enjoy the interest-free repayment period. All consumption in the current period starts to bear interest from the bookkeeping date, and the daily interest rate is five ten thousandths. (Repay in full and on time, and you can enjoy an interest-free period for spending by credit card. )