Does overdue credit card affect credit reporting?

Overdue repayment of credit cards will affect users' credit information. Once the credit card is overdue, the bank will directly report the overdue record of the user to the credit information center, and the overdue record will be kept in the personal credit information report for five years after the user fulfills the repayment obligation, which will have a negative impact on future loan and credit card applications.

However, because credit cards now have a grace period for repayment, it is not that cardholders have not repaid on the last repayment date. The repayment grace period of most bank credit cards is three days, which means that as long as the cardholder completes the repayment within three days of the last repayment date, it is timely repayment, and only after the repayment grace period, it will be regarded as overdue behavior of the credit card by the bank.

Once the credit card is overdue, the platform has reported the overdue bad records to the central bank's credit information system, and it is no longer possible to eliminate the bad by artificial means. Bad records shall be kept in the personal credit information system for 5 years from the date when users pay off overdue debts. So if you have money, you have to pay it back as soon as possible. If you don't know your credit information, just search: Sky Data, find this WeChat applet, pull out the details of your online loan liabilities and overdue credit status, and make a repayment plan according to your own situation.