Credit card SMS charges are overdue for 3 months. Does it affect me?

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. The bank won't make any bad comments on your usage records, but only truthfully feedback your historical usage records.

Record, without any subjective judgment. If you handle the loan business in the future, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used for termination, the corresponding record will not scroll.

Touching, but preserved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to stick to using the card for more than two years and maintain a good credit during this period, so that you can rely on it.

Rolling records remove bad records from the credit information system.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.