What do you mean overdue?

Overdue means that the repayment has not been made in full by the deadline of repayment date. If the following circumstances are overdue, they will be recorded in the personal credit report:

1, one or two days later than the due repayment date;

2. After the due repayment date, the customer pays off the debt after the bank staff makes a dunning;

3. The customer has repaid the loan before the due repayment date, but it has not repaid the loan in full because it is not clear about the specific amount to be repaid.

What is overdue?

No matter banks, finance companies or other loan companies, the requirements for repayment date are very strict. As long as it exceeds the prescribed time, even if it is only delayed for one day, it is overdue.

The longer the overdue time, the more serious the consequences. The default time is recorded every 30 days. The credit center of the central bank uses six grades to quantify the severity of overdue repayment, and then reflects it in your personal credit report.

For example, 1-30 days overdue, marked as1; 60 days overdue, mark 2; 90 days overdue, 3 points; And so on, overdue 180 days, recorded as 6.

Once these figures appear in your personal credit report, it will not be so smooth for you to apply for loans, mortgages and car loans at the bank. If the score reaches 3, you will be blacklisted by various financial institutions, and you will be rejected if you want to borrow money in a few seconds.

The credit center mentioned above uses 1-6 to indicate the severity of overdue. If you don't check the personal credit report, these figures will be difficult to find.

How long is the overdue credit?

Within 30 days overdue: If you pay back the money within one week after 15, the bank will send you a text message asking you to pay back the money as soon as possible.

Overdue for more than 30 days: after a month or a billing date, the bank will call for a reminder.

Overdue for more than 90 days: the bank can send relevant personnel to collect the money.

Overdue for more than 180 days: the bank will outsource your bill to a collection company for collection.

Overdue for more than one year: the bank will basically bring a lawsuit to the court.

What kind of overdue can be remedied?

The most common overdue credit cards in life are mainly caused by negligence, such as forgetting the date, forgetting the amount, or forgetting. If you have always been able to repay in full and on time, and occasionally once or twice the overdue amount is very small, then the bank will infer that you may have forgotten, not maliciously defaulted. The bank believes that this situation belongs to "non-malicious overdue".

Generally, the bank will have a three-day grace period if this situation is found immediately after the deadline. As long as you take the initiative to call the customer service department of the bank and explain the situation clearly, the bank can help you issue non-malicious overdue bills, so that your personal credit record will not be affected.

Please don't destroy the jar in case of overdue behavior. Maintaining a positive repayment attitude is the key, mainly because the bank says it is not maliciously overdue.