How long is Gome Easy Card overdue for credit reporting? How serious are the consequences?

Gome electronic cards have a three-day grace period. If the repayment is overdue, it will be reported to the central bank if it is overdue for more than three days. The consequences of overdue are as follows:

1, affecting personal credit information. Overdue records will not be covered until 5 years after repayment, which will affect the approval of credit business during this period.

2. After expiration, the use is restricted. Once the Gome electronic card is overdue, it will not be able to pay again.

3. late fees. After overdue, it will be calculated on a daily basis and directly included in the arrears. In addition, there will be a separately calculated penalty interest, which is generally about 1.5 times the loan interest rate according to the unpaid amount.

1. Gome Easy Card integrates the advantages of online and offline resources, deepens the development model of "scenario+finance+technology", accelerates the penetration of on-site industries, strengthens the breakthrough of external scenarios, drives the extension of inclusive finance scenarios, and provides customers with omni-channel and integrated products and services through a diversified family financial service system. [3] Gome ee Card has completed the business layout of 2,400 offline stores in more than 700 cities across the country, providing a full range of consumer staging services for more than 26 million users.

2. Gome Electronic Card takes the big data-driven operation and marketing system "TMH" and the risk control system "NCM" as the core, comprehensively monitors all links, directly refines operations, and combines key issues of digital marketing and risk control with application scenarios. Big data drives new finance and creates real new finance.

3. There may be the following reasons why Gome Easy Card cannot be borrowed:

1 When applying for Gome Easy Card loan, there was a credit problem, which led to the failure of approval;

2 Multi-platform loans. At present, personal debt is too heavy, and Gome Easy Card will question the applicant's repayment ability;

There was an electronic card loan in Gome before, but it was overdue.

4. If you want to successfully apply for Gome Easy Card loan, you should have a high comprehensive score and do well in all aspects. You can spend more money in Gome to prove your spending power, and use Gome Finance to handle related financial business, which shows that you have certain assets and good repayment ability. When using loans or credit cards at ordinary times, you should also repay them on time.

5. If Gome's e-card loan audit always fails, it is suggested to improve the comprehensive score and try again after three months. If the application fails, don't submit it repeatedly, which will affect the credit investigation and increase the difficulty of successful application.