How to check whether your credit card has an overdue record?

How to check whether the credit card has overdue records;

1. Determine whether it is overdue through bank notification.

If the repayment is overdue, the bank will notify the cardholder by SMS or app notification SMS and urge the repayment.

2. Query the repayment record to determine whether the repayment date exceeds the last repayment date. You can check your last repayment date by SMS, bank credit card APP, etc. And you can know whether you are overdue.

3. Check your credit information. Go to the local China People's Bank outlet and apply for a credit report from the staff. Or log on to the website of the Credit Information Center, click "Internet Personal Credit Information Service Platform"-"Start Now", enter the login information and start the inquiry.

How long can overdue credit card records be eliminated?

1. If the bad credit record is caused by the failure to repay the loan or pay the annual fee in time, the bank will generally take the initiative to help customers eliminate the bad credit record as long as they have a good discussion with the bank, take the initiative to contact the bank with sincerity, explain the reasons and take remedial measures in time.

2. The credit card records only show the records of the last 24 months, and the previous records are not easy to query, so the cardholder will repay on time in the next two years. If the bad consumption records are covered by the new credit card consumption records, they can be successfully eliminated.

3. If the overdue repayment record exceeds 90 days, it will be automatically eliminated after 5 years or manually eliminated. The central bank stipulates that everyone has an opportunity to manually eliminate it every two years. As long as they apply to the credit information center, those who meet the requirements will be eliminated.