Ping An Bank forgot to repay the credit card, and the bank sent me a text message five days after the repayment date was delayed. Is it already on the credit report? What should we do?

Ping An Bank forgot to return the credit card. If the repayment is delayed for 5 days, the bank SMS reminder will not be sent to the credit report, as long as it is returned on time.

For example, 1-30 days is marked as 1, 3 1-60 days is 2, and 6 1-90 days is 3. Only those who delay for a long time in the future will receive credit information.

Strong & gt criteria for overdue credit cards:

1. How long will the overdue credit card be filed?

1, overdue for more than one week: the bank will reduce the credit card limit to remind you to repay.

2. overdue within one month: the bank will call or send a text message to inform you that it is overdue and needs to repay. During this period, the bank will notify directly and will not take compulsory measures to collect the money.

3. overdue for more than one month but less than three months: the bank will not directly dunne, but outsource it to a professional dunning company. This time may have an impact on your life.

4. More than three months overdue: the bank will take you to court for fraud.

Second, the credit card overdue filing standards:

There are generally two cases of overdue credit cards, one is a civil case and the other is a criminal case. The specific criteria are as follows

1. Civil filing: the standard of civil filing is low. As long as the overdue users fail to meet the criminal filing standards, banks can bring civil proceedings to the court.

2. Criminal filing: If it is a criminal case, the filing standard will be higher. First of all, if the cardholder has been collected twice by the bank for more than three months, the minimum repayment amount will still be made.

In addition, the overdue amount of credit cards reached 50,000 yuan. If these two conditions are met at the same time, the cardholder will be sued by the bank for malicious overdraft.

Malicious overdraft of 50 thousand yuan has reached the standard of criminal filing. After the court decision, the cardholder is likely to go to jail.

Three, overdue sentencing standards:

1, overdue amount of 50,000 ~ 500,000: be sentenced to fixed-term imprisonment of not more than five years and fined 20,000 ~ 200,000.

2. Overdue amount of 500,000 ~ 5 million yuan: sentenced to fixed-term imprisonment of 5 ~ 10 year and fined 50,000 ~150,000 yuan.

3. Overdue amount is more than 5 million yuan: sentenced to fixed-term imprisonment 10 years or more, and fined 50,000 ~ 500,000 yuan, or directly confiscated property.

To sum up, China's handling of overdue credit cards is still very strict. Users are advised to pay attention to personal credit, maintain good repayment habits and not overdue, otherwise the consequences will be very serious.